Whoever invented credit scores is a genius. Firstly, it gives you a convenient excuse to discriminate when it comes to offering loans that can't be misconstrued to have anything to do with things beyond money.
Secondly, now that everyone uses this number, people want to know what theirs is, so you can charge them money to find out or even make them feel like you are doing them a favor by offering them a free credit score.
It's always amazing to me when people can not only create a product but create the market for that product at the same time. Rock salesmen, also known as jewelers are the prime example of course.
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