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It figures
According to an article in Harvard magazine, a Canadian credit-card issuer has found that people who used their card in a certain pool hall in Montreal had a 47% chance of missing four payments during the subsequent 12 months, "whereas people who bought birdseed or anti-scuff felt pads for the legs of their furniture almost never missed payments.  These ... turn out to be better predictors of creditworthiness than traditional measures, but their use raises concerns."  A concern not mentioned is that, once the news gets out, deadbeats everywhere will take care to buy birdseed.  (Are any birdseed companies publicly traded?  Call your broker.)  When that shows up in somebody's correlation coefficient, even people who buy birdseed to feed their birds will find their credit ratings nudged down a notch.

The bind moggles.