Credit rating has nothing to do with how much money you have. I helped my sister who makes minimum wage move 100k medical debt off her credit record, establish a secured credit card, and taught her how to pay bills on time and negotiate with debt owners and creditors so she never gets any debt reported to credit agencies. All with her own very limited money. She moved her score from 400s to 700s over about 3 years. All credit rating shows is (1) you don’t take out more than you can afford and (2) you are willing to service the debts you have to the limits you can afford. Even with 700-800 credit if you don’t have much earning power you won’t get a big loan, but you will get good rates on what you can afford.

It's easy to have bad credit while being rich, and good credit while being poor. The question is how much reasonable debt do you take on and service according to the contract? And that has nothing to do with how rich or poor you are.

I know plenty of poor people with good credit scores. So you’re statement isn’t true at all.

But if you're not rich, "You're just Lazy".

Because everyone who isn't a millionaire, is just an embarrassed pre-millionaire.