Why so many people, specially those troubled with mortgage; are so concerned with their FICO score? Spending is spending, if you have a nice score, you'll end up spending more, even with lower rates. Unless you borrow to invest in your business, getting more and more debt is completely foolish. Investing really means making more money. A bigger house, car, toys, are not investments, as advertisers want us to believe. So why worry about FICO scores?