Answer: -I think you are looking at the wrong end of the problem. "low credit" does not just happen, everyone with bad credit made that personal choice themselves. It only "predicts future credit problems" because people tend not to change, once they are unethical and dishonest they tend to stay that way. The same goes for people with good credit, they are honest and ethical, repaying money they accept from others and they don't chnage either, you can trust them in the future. -Low credit score should be a wake up call .TOO many people want to borrow for everything and pay for nothing .Low credit score means it is time to get a 2nd job and pay off debts and start living $$$$ smart .But,some people are like gamblers and alcoholics. They Never seem to get the message . -Everyone strats at the top and from that point, it is up to you to screw up. If you are not responsible from the start, your bad choices will follow you. -Those are some of the silliest things I've heard regarding someones credit score. People with bad credit are not victims of lenders, interest rates, etc.. They are victims of themselves and their own actions. Just more examples of people not being responsible for themselves.It is because people with bad credit make victims out of lenders, ins companies and landlords by not paying loans, premiums, and rent. That's why people with bad credit pay more if someone is willing to take a big chance on them. The more risk, the more they need to pay to make up for losses for the risk. They have proven not uphold their end of the deal and that's no self fulfilling prophesy. People with bad credit are certainly capable most of the time to clean up their act and get better deals when the need them. But some people dodge their payments right to the end then wonder why people don't give them more chances to default.