I wonder if anyone has ever sued the credit gatekeepers for screwing up a person? Credit is so important today, it seems to me that you could.

Credit is weird. My wife has been disabled for years and seldom uses her credit cards. She gets a pittance from SSI; I’m the one who has made the majority of the money and who spends it. We have no debt and the cards are on autopay, but her score is always around 830 and I hover around 815. Go figure.