You sound like a moron.
Far from a moron, I understand how the system that determines interest rates in the first place actually works. I understand that, though many use it as such, it does not measure honor. No, no! It measures gullibility, how much money they can make off of you. Credit counselors will advise you, "Do NOT pay off the entire balance and close the account! They want to see it open with a goodly balance. That tells creditors that they can make money off of you (while giving you nothing in return for that 25% interest rate)." Hello? Theft, anyone? Usury? That, my FRiend, is what FICO is all about! Not the hokey pokey, but ripping people off!
It's a part of this discussion because the person in question may have been getting ripped off on his mortgage payments because, according to aforementioned corrupt system, he could not refinance to a rate which would have allowed him to make the payments.
Now do you see from whence the dark pathos against the credit rating system arises?