Rude People Tend to Have Better Credit Scores

With 60 percent of employers using credit checks as employment screening tools, losing a career opportunity has a potentially higher impact than nearly ever before. Meanwhile, nationwide recession has made it more likely than ever that an individual will have a black mark on their record.

In a recent study published in the Journal of Applied Psychology has shown no connection between poor credit ratings and theft.

"With regards to personality and credit - it makes sense that conscientiousness is related to good credit, but what was really interesting was that agreeableness was negatively related to your credit score," said Jeremy Bernerth, assistant professor in LSU's E.J. Ourso College of Business Rucks Department of Management. "That suggests easy-going individuals actually have worse credit scores than disagreeable and rude individuals. This suggests that agreeable individuals might get themselves in trouble by co-signing loans for friends or family or taking out additional credit cards at the suggestion of store clerks.

However, contrary to what many employers consider common knowledge and practice, there was no correlation between poor credit and bad behavior on the job.

"It was telling that poor credit scores were not correlated to theft and other deviant types of work behaviors," said Bernerth. "Most companies attempt to justify the use of credit scores because they think employees will end up stealing, but our research suggests that might not be the case."

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