What game are we scoring?
The most frequent search terms that bring visitors to Bankruptcy in Brief have to do with getting credit after bankruptcy. New clients, saddled with enough debt that they will engage a bankruptcy attorney, at our first meeting either ask about the impact of a bankruptcy on their credit score, or proudly tell me that they have “perfect credit”: that translates as “never having missed a payment.” What they miss in their decision making process is that they can never pay off the credit they have! And their first concern seems to be how soon they can get back into the credit market.
Identity theft and the misuse of credit scores for employment and insurance purposes have heightened our awareness of credit reports and credit scores. This legitimate concern is hyped by those who, having created the credit scoring “game” and cemented their lock on the rules of the game, then want to sell us services to protect us from damage to our scores.
What most consumers don’t understand is that credit scoring is a purely arbitrary analysis, with changing rules controled by each score provider. It is not regulated, objective, or transparent. It seems your score can suffer from having too much credit, too little credit, or even for astutely shopping for better interest rates on purchases.
Let’s focus on our personal balance sheet, rather than our ability to acquire more debt, as a salutory exercise. Let’s look at our savings, our preparation for retirement, the adequacy of our insurance protection as the measure of our financial health. Let’s ask ourselves first how long it will take us to repay the debt we already have . What would we save if we weren’t paying interest on credit card debt?
Let’s learn to find our self worth in something other than the kind of credit card we carry or the credit score someone else assigns us.
February 18th, 2006 at 9:31 pm
There is something to be said for people that have never missed a payment. While scoring companies might not consider that alone as being worthy of a high score, it is usually enough for credit issuers that actually assess the individual’s credit report with their own eyes rather than base their decision on a computed score.
Companies that allow computer generated evaluations to have the final say on credit matters is one of my BIGGEST pet peeves. I understand the time saving factor but there are times when a manual review is in order.
Being in that situation myself (high debt - never missed), I am truly disturbed by the way credit companies treat you once their computers deem you high risk. They completely ignore the fact that you have never done anything wrong and punish you anyway by raising your interest rates. This of course makes it harder to pay off which actually makes you high risk. Seems like their computers not only predict it, they cause it.
As for bankruptcy, call it pride - or whatever - but I just don’t want to go that route. Unless and until I fall flat on my face and lose the ability to make a dime - I will continue to “never miss a payment.”
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