Do you believe your credit score can reveal your personality too?

I do not think so. Credit score is a mark means how can you return money in time. If in your life, you do not need to lend money from others, especially from the bank, you will not have credit score. Return money in time is a good habit, but do not need to lens money may be much better than that.

I earn less money, then my husband and have a higher credit score. No, I don't think personality has any affect on score. Sadly, so many people are out of work and unable to pay their bills now, so their scores are dropping. I understand that companies want to get their money when they loan you money. There has to be some kind of system to judge whether you can pay it back, but I think this one isn't working well.

I do not feel that there is any truth to how a credit score can reveal your personality. I know of some people who have low credit scores due to problems they cannot control. I have a friend who has a bad credit score because he lost his job and has no health insurance. This person has Type II diabetes and needs to see doctors often so he can keep their diabetes under control. This person is a great person and if it were not for his health issues he would not be in debt.

I used to work in a call center Analyst Review Department. We take a look at a person's credit score to check if that person is eligible for a service or not. If the person got a high credit score, then by all means we can give him service. If not, then he would need to wait until his credit score is pulled back up. A process which I think is a little bit unfair to the user but I understand that companies just want security for the business. Now, it might be an amateur way of looking into it but really when the person's credit score is high, I automatically think that that person must be rich. And of course otherwise. It is also in the person's voice you know. Just thinking about it, people with high credit scores talk more lively and more proud of themselves. Some are even unfriendly.

Credit scores were originally intended to let financial institutions like banks know whether they could make a lot of money off someone. The truth is your score doesn't even tell whether you are a good credit risk or not. A whole lot of meaning has been read into credit scores that simply isn't there. Unfortunately so many people believe it means so much companies actually use it as part of their hiring process even though it has no real bearing on whether a candidate for a job is suitable or not. There is pressure to revamp the system and to restrict what it can be used for but it is a long way from becoming reality at this point.