Why do people think it's "O.K." to judge a person's entire character based

on their "Credit Score"? (I mean...I personally know a lot of people with a high credit score who have a lousy character, and are incompetent at their jobs, so why would a company use somebody's credit score to determine their employability? Doesn't it seem "self-defeating" for a society to prevent people from being employed if "being hired by a company" would be the best way they could improve their credit score? Does anybody else besides me see the Catch-22 ridiculousness of this "character-judging" policy?

Also: Not everybody's credit score is low because of they had bad character and were irresponsible. Lots of things in life beyond their control could cause somebody to have a low credit score, and if they lower a person's credit score because they never went into debt by using credit cards, isn't that punishing people for having such a good character that they were responsible enough to prevent themselves from acquiring debt?
 
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