This. This comes up when people whine about the unfairness of checking credit for apartments/jobs or standardized test scores for college. The way people bitch and moan, you'd think the landlord is going to burn down the house if you have a single late payment on your credit report. But you have to put yourself in the shoes of the other person and acknowledge that it's not more fair to ignore those things. It's just kind of arbitrary on the margins.