"A score is only an indication of likelihood for default, not ability to pay"
A credit score is based on how well a person has paid their debts in the past which is the best predictor of how they will pay in the future. A poor credit score means a person has beat people out of goods and services that will never be paid for. Taking things on credit and not paying for them is just another type of theft. You will have to decide if you want to be added to the list.