Note that exceptions to the correlation has both false positives and false negatives. e.g. On opposite side of people with bad credit who got hit by unavoidabl

Note that exceptions to the correlation has both false positives and false negatives. e.g. On opposite side of people with bad credit who got hit by unavoidable circumstances, there are people like my partner who have limited credit score upside because they don’t use much credit. My partner has a mortgage with me, but other than that, she doesn’t have any debt and doesn’t use credit cards (other than the prepaid variety which pull directly from bank accounts and don’t contribute to credit scores.)