[Snowy]

bad credit = risk

Risk for what? We all know that AQ and other terrorists are loaded with money. If anything, bad credit should give you a 'green'. :)

[MatthewViti]

just shows how stupid the govt is when it comes to matters like this.

[New Girl]

It may not be bad credit as much as not having ANY established credit. These days, someone in their mid-twenties to early thirties almost definitely has an established credit record, including a car payment. I would think that lack of credit, loans for someone that age would possibly signify that they have not lived in the country that long.