I agree. To me more alarming then credit scores is the fact that many businesses now use variations of the MMPI as job applications. Talk about an invasion of privacy. These are not just used by firms that deal with sensitive, classified information. Blockbusters is one company that uses this type of application.
I wonder why... I don't ever rent anything there because almost every new movie is garbage...
Some young freshman or junior college kid isn't going to have much of a credit history.