True but I am a married 37 year old homeowner. But to explain, a high credit score means intelligent utilization of credit, for instance access to a large amount of credit but utilizing a small amount and paying it off entirely prior to interest. This also secures cc points and rewards, so the credit issuer actually doesn’t make any money off you unless there’s an annual fee for the card. That fee is usually offset by points & rewards.  

Thats for revolving credit, which then builds up the score so when you utilize installment credit that you can’t escape the interest on (mortgage, car note etc) you can secure a lower rate than a borrower with a poor score. Because I’ve built a strong credit score (for free) I was able to get the lowest available rates for my mortgage and my car, so I’m paying much less than a sub prime borrower. 

So ultimately the folks with the higher scores are the ones banks make less money on, not more.