Having good credit only matters when you’re poor. Credit checks are a discriminatory practice we’ve come to accept as a societal norm

I’ve worked in a bank and had clients come in with terrible credit, bankruptcy, charge offs etc etc. but would get approved for $50,000 loans just because of their high income. Like the loan officer would be like “making an exception” oh ok so this credit shit don’t matter

And on the flip side I’ve helped people who had an excellent credit history and score get denied for loans just because their debt to income ratio was slightly too high