[Natsu]

A slightly bigger problem is with employers using credit score to grade applicants. I'm also pretty close to the same zero-debt blank slate he is (and I'm fixing that), but it can be a problem when people think that a bad credit score makes you a big risk for theft/embezzlement/etc. when you're not.

[gte910h]

Yeah, If you're not handling large quantities of money, why the hell should employers be able to see this?