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Credit scores and rudeness

Established Contributor

Credit scores and rudeness

One would think that agreemable and friendly individuals would have higher credit scores but reality shows the opposite. In fact the ruder one is, the higher his/her credit score will be.

http://psychcentral.com/news/2011/11/03/are-credit-scores-and-personality-linked/31048.html

http://freakonomics.com/2012/01/03/credit-scores-do-nice-guys-finish-last/

 

Now everyone get ready to argue to boost up your scoresSmiley Very Happy


Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-765,Eq08-749,Tu08-741
Goal Score: Ex08-760,Eq08-760,Tu08-760


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Message 1 of 13
12 REPLIES
Established Contributor

Re: Credit scores and rudeness

Hmm... I personally wouldn't have associated "agreeable"/"friendly" or "rude" with either a higher or a lower score, really.

 

But who's more likely to get sucked into a bad co-signing deal for a friend or family member?

A friendly person, or the rude one?

 

I guess I can see that having a (really, really minor) effect...

 

EQ8:844 TU8:845 EX8:850 (MyFico) - 2017-10-16
Message 2 of 13
Regular Contributor

Re: Credit scores and rudeness

My guess is that kind and agreeable people aren't too concerned about credit scores. The just pay their bills and don't game the system. The rude folks pull all the levers to get the highest score to improve their perception of their position relative to others. Gross generalizations...that often reflect the truth.

Fico 8 Scores
10/2017: EQ - 823; TU - 835; EX - 824; Seven CCs ($125,500 CL, 0%-1% UTIL); AoOA = 15.5 years; AAoA = 60 mos.; AoYA = 18 mos.; one mortgage; one car loan; derogs from 2009 and 2010 now gone after 7 years. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 640; 11/2014: EQ - 653; 05/2014 EQ - 653; 11/2013: EQ - 645; 05/2013: EQ - 656;11/2012: EQ - 646;
Message 3 of 13
Established Contributor

Re: Credit scores and rudeness


909 wrote:

My guess is that kind and agreeable people aren't too concerned about credit scores. The just pay their bills and don't game the system. The rude folks pull all the levers to get the highest score to improve their perception of their position relative to others. Gross generalizations...that often reflect the truth.


Yeah I agree that selfishness and psycopathy are rewarded in life. In fact psycopaths are more common in the corporate ladder the higher up you go and this may be due to psycopaths manipulating superiors and sabotaging competing peers.

https://psychopathyinfo.wordpress.com/2012/01/15/how-psychopaths-climb-corporate-ladders/

 

Often trends we think that would be true do end up becoming true because the human mind is just that amazing. I could probably make a gross generalization that people bad at math have lower credit scores and it'd probably be true despite no study indicating so.


Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-765,Eq08-749,Tu08-741
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Message 4 of 13
Established Contributor

Re: Credit scores and rudeness


iv wrote:

Hmm... I personally wouldn't have associated "agreeable"/"friendly" or "rude" with either a higher or a lower score, really.

 

But who's more likely to get sucked into a bad co-signing deal for a friend or family member?

A friendly person, or the rude one?

 

I guess I can see that having a (really, really minor) effect...

 


Co-signing in my opinion is a bad deal for both parties. Both parties would be better off with one of them being a rude person not doing the co-signing.


Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-765,Eq08-749,Tu08-741
Goal Score: Ex08-760,Eq08-760,Tu08-760


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Message 5 of 13
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Regular Contributor

Re: Credit scores and rudeness

 

The Garvais Principle outlines what you describe. It's an analysis on why the television show, The Office, resonated (because it was truthful) and what it reflected in the workety work world (sociopaths rise to the top).

 

http://www.ribbonfarm.com/2009/10/07/the-gervais-principle-or-the-office-according-to-the-office/

Fico 8 Scores
10/2017: EQ - 823; TU - 835; EX - 824; Seven CCs ($125,500 CL, 0%-1% UTIL); AoOA = 15.5 years; AAoA = 60 mos.; AoYA = 18 mos.; one mortgage; one car loan; derogs from 2009 and 2010 now gone after 7 years. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 640; 11/2014: EQ - 653; 05/2014 EQ - 653; 11/2013: EQ - 645; 05/2013: EQ - 656;11/2012: EQ - 646;
Message 6 of 13
Established Contributor

Re: Credit scores and rudeness


909 wrote:

 

The Garvais Principle outlines what you describe. It's an analysis on why the television show, The Office, resonated (because it was truthful) and what it reflected in the workety work world (sociopaths rise to the top).

 

http://www.ribbonfarm.com/2009/10/07/the-gervais-principle-or-the-office-according-to-the-office/


Very interesting article. Friendly try-hard clueless people think they have respectable positions but they're being played by the minimum effort lowlies and the sociopaths up top. Usually people wishthat psycopaths and sociopaths did not exist but the article provides great reason for why they are necessary to society and when they try to benefit themselves, they inadvertently benefit society in a necessary way of creating structure.


Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-765,Eq08-749,Tu08-741
Goal Score: Ex08-760,Eq08-760,Tu08-760


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Message 7 of 13
Super Contributor

Re: Credit scores and rudeness


Subexistence wrote:

One would think that agreemable and friendly individuals would have higher credit scores but reality shows the opposite. In fact the ruder one is, the higher his/her credit score will be.

http://psychcentral.com/news/2011/11/03/are-credit-scores-and-personality-linked/31048.html

http://freakonomics.com/2012/01/03/credit-scores-do-nice-guys-finish-last/

 

Now everyone get ready to argue to boost up your scoresSmiley Very Happy


 

Who said you could post this here.

 

Seriously I was on a murder trial once where the Defense brought in "expert" witness who did studies on how eye witnesses could all be wrong.  Probably they study was done by that guy after he got fired when we convicted the defendant and he go 20 years.

10/17/2017 FICO: EQ 829 TU 830 EX 826
Message 8 of 13
Member

Re: Credit scores and rudeness

I think this could be an example of why. 

A girl I work with - bosses daughter. Hot - but married and pregnant. The baby has been discovered to have a critical problem - diaphramatic hernia, causing the lungs to underdevelop, most likely resulting in the baby not surviving without some sort of medical procedure. Or even with one. 

My score is about 730 -- and the simulator suggests if I get rid of most of my debt, my score will boost to 770 or so.  But, instead of paying the 100 bucks I got from my raise last week toward the debt, I donated to her gofundme for the FETO procedure that some European doctor is going to fly to Philadelphia to do. Since we're in Alabama, she and some of her family will have to fly up and stay with her routinely. Expensive! 

If I were "rude", I'd be more inclined to shrug my shoulders and deal more aggressively with my debt. Still rudeness is my first inclination....I'm hoping to get this debt gone by the end of the year. 

Message 9 of 13
Valued Contributor

Re: Credit scores and rudeness


Subexistence wrote:

One would think that agreemable and friendly individuals would have higher credit scores but reality shows the opposite. In fact the ruder one is, the higher his/her credit score will be.

http://psychcentral.com/news/2011/11/03/are-credit-scores-and-personality-linked/31048.html

http://freakonomics.com/2012/01/03/credit-scores-do-nice-guys-finish-last/

 

Now everyone get ready to argue to boost up your scoresSmiley Very Happy


I guess I will have to disagree with the thought that being unfriendly/rude may lead to higher scores. High credit scores are usually achieved once someone becomes educated as to what affects the score, and then uses this knowledge to learn and practice healthy credit habits. If anything...I am able to be more generous to family and friends since I got my credit habits under control. Any help I give others does have to make financial sense though. Good credit scores in my opinion, has little to do with personality, and everything to do with knowledge, self discipline, and impulse control.




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
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Message 10 of 13