It&#x27;s really hard to take this seriously. First this &quot;study&quot; for the purpose of making generalizations or deciding credit worthiness is pretty silly. The sample is not representative of much. Whether people put last names in their phone? What is this, pseudo-sociological hokum? Why don&#x27;t we just use phrenology and call it a day? Why don&#x27;t we just ask people to move their mouse in a JavaScript app on the credit decision site and those that take &quot;strong ardent movements&quot; will be the most credit worthy. Now the credit counseling services  will focus less on getting your finances in order but giving you &quot;insider tips&quot; like &quot;enter last names in your phone&quot; or &quot;keep a second phone for games.&quot; This is just a crock of nonsense.<p>It&#x27;s like &quot;data mining&quot; is a hammer and everything is a nail or something.