[mikeash]

Credit ratings are an attempt to turn weird moral tests into a concrete number, and they have a massive effect on one’s ability to get a mortgage. It wouldn’t be at all surprising for a bank to try to account for factors the credit score misses.

[gizmo686]

What "moral tests" do credit scores use? You could certainly argue that they are not an accurate reflection of credit worthiness.

[mikeash]

Whether you’ve paid back your debts previously.