Why the obsession over B*?

[LindseyB]

I just wanted to add that some people choose B* not only for profit and money savings reasons but speaking from my personal experience to protect my life. Credit score is based on how well you manage to borrow money and repay it back basically. However some things in life (that I don't agree with) are credit score based. I was once turned down from my insurance company for renters insurance due to low credit score. So basically if my salamander neighbor decided to fall asleep smoking and burn the place down I would be left with nothing and my kids would not be able to replace their clothes and basic necessities. I needed more credit to establish a better credit profile and like you stated denials come from too many inquiries. So there are lots of reasons to B* in my opinion, and everybody has their own personal reason for doing so.