People with higher credit scores tend to be less impulsive, better at delaying rewards, and more trustworthy than those with lower scores, according to a study of 63 university students and employees by Shweta Arya, Catherine Eckel, and Colin Wichman of the University of Texas at Dallas; the study included a survey and a set of tasks and games. Thus "it is not too much of a stretch" to say that credit scores might be a useful tool for screening job candidates or potential partners on a dating web site, the authors say. Fair Isaac credit scores are calculated on a scale from 300 to 850, with the U.S. average being 680. In general, a good credit score is anything above 700.
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