Why are credit scorescredit report so eerily effective at forecasting relationship results? The authors presume that your credit scorecredit report is a proxy for trustworthiness and dedication to commitments. My own reading of the information is that people who have similar credit scorescredit rating may do much better in the long run due to the fact that they have actually made comparable options when confronted with the same kinds of challenges. Hence, the resemblance of the scores might reflect similar values along with personality structure.