A reasonable credit score and its accompanying benefits provide an avenue for success today, far more than it has in the past. Of course, looking for a home, or a new car, or that premium credit card, requires the lender to conclude that you are credit worthy. But these scores, many believe, are indicative of various personality traits. “Employers, insurers and even landlords regularly pull the applicants’ credit, already treating it as a proxy for a vague sort of approximation of your diligence, honesty and character. Consumer groups have raised questions about the use of credit as a
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