I used to think a credit score was all about your ability to pay, but it’s clear now it’s more about how profitable you will be to banks
You know what, I agree!
This article does a great job of explaining, in real life events, the rise and fall of the credit score. I personally believe that your credit score isn't worth anything anymore. The banks may think so, but they aren't lending anyway - so who cares.
Awful to say it, but if you have your home, your car, the things in life you already need, maybe your credit isn't worth it's weight anymore.
This is why so many people have finally made the BUSINESS decision to foreclose or short-sale their homes. Why bother paying off the debt, if you score doesn't matter anyway?