You think you need a job to have a good credit rating?

I sold cars to people all summer long who were making less in a year after taxes than the sticker price on the window. As long as you pay your bills on time you can pretty much get as much credit as you could ever possibly want.

Hell you don't even need a good credit rating to get a car. People with 500 credit scores who really want that new car are willing to take a loan at 15% just so they can have what they want.

Just because lenders are willing to extend credit to a person doesn't mean they make enough money for the necessities, nor does it mean they should be forced into debt to buy what they need. That's why we have welfare programs.

Now if someone on welfare decides to put themselves in debt up to their eyeballs because they want to have a nice car, they're not abusing the system because they're not using the money to pay for that car. They're in debt.