Soli

Rayz2016 said:

We once ran the workforce through test applications, and found that contractors with higher pay and no debt were less likely to get an approval. 

Several years ago I paid off my car and student loans early within a month of each other which caused my credit rating to drop from well into the Excellent range with an 800+ score to around 740–750 range which only Good. Within a couple months I had gone back up to Excellent, but I would've been hurt had I tried to secure a great interest rate during that time.

dysamoria said:

I presume they’re not taking people with bankruptcy on their credit history…

There's more to it than your credit score, but a bankruptcy usually isn't a detrimental factor. Perhaps most notably is that once you have a discharge you have to wait 8 years before you can file again. It really doesn't take a long time to regain a Good or Excellent credit rating after a discharge if you've actively worked to build and maintain a credit history in good standing.

Let's be clear that this "hack" still needs the face of the person who is already keyed for the device. This only allows a person who wears glasses to allow someone to use their phone on their face to unlock Face ID without their consent if they happen to be unconscious after making a pair of augmented glasses, assuming that their picking up the iPhone doesn't trigger Face ID and the subsequently disabling of Face ID before they can execute this "hack".

PS: Note his $20,000 credit limit.

Off Topic: There are 4 major credit bureaus, people. Don't forget Innovis.

• Equifax — https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
• Experian — https://www.experian.com/ncaconline/freeze
• TransUnion — https://freeze.transunion.com/sf/securityFreeze/landingPage.jsp
• Innovis — https://www.innovis.com/personal/securityFreeze

You may also want to create accounts at the SSA and IRS so that no one else can.

• https://www.ssa.gov/myaccount/
• https://www.irs.gov/individuals/get-transcript