The point about medical bills is well taken. As someone who’s had 3 family members face 5 different cancers, I know how medical bills can come out of nowhere and impact finances.

The point that scaredy made about arbitrary scores being everywhere in our lives is also valid. SAT scores and GPAs to get into college. Heck my company does background checks and checks GPAs and verifies degrees issued – and has for more than a decade… so screwing up your first year of college CAN follow you for a long time. It’s as arbitrary and “in the past” as credit scores demolished by past medical bills.

I’m not defending the system. I’m not in the job market (at the moment) so I hope none of these arbitrary numbers work against me. But circumstances could change and I could be a victim of bad credit score, less than 4.0 gpa in college, etc.

As for the earlier responses to me… All I said was that I am frugal. I also mentioned that I hope (and save) towards a goal of having a good retirement. Somehow that made me beholden to treasure and a slave to my credit score. That’s a pretty big leap since neither are true. I also have goals of raising my sons to be decent humans, being a good wife, a good employee, being a good neighbor. I don’t care if you believe me.