Dear Liz: I felt you should have corrected the person who said they felt like a loser because heavy credit card usage lowered their credit scores. I went through a period of poor credit after I was diagnosed with amyotrophic lateral sclerosis (ALS). It took about nine months to get our financial footing again. My scores are on the mend now, but at no point did I feel like a loser. In fact, I am very proud of how I and my family responded to this challenge. Many people are hit with misfortune that is no fault of their own. Often they are truly winners with how they respond. I hope you take the opportunity to make a comment about how bad credit doesn’t make a person a loser. That often the best of us are revealed by how we deal with it instead.
Answer: The original letter writer was making a wry comment about their situation, writing that their husband “thinks it’s funny he has great scores and I look like a loser!”
But your point about people being more than their credit scores is well taken.