Good credit doesn't mean no risk of defaulting; it means less risk. Fewer of the people with good credit defaulted than of those with bad, which is the only th

Good credit doesn't mean no risk of defaulting; it means less risk. Fewer of the people with good credit defaulted than of those with bad, which is the only thing a credit rating really claims. Credit rating is explicitly intended to be an indicator of future repayment. That's the whole point of the system.