Really?

Surprised?

The Atlantic was.

If you pay your bills on time, then you're probably also a good driver. This statement might come as a surprise to you, and Fair Isaac Corporation CEO Mark N. Greene says his firm didn't expect this result either. But over the years, auto insurers noticed a correlation between his company's FICO credit scores and their customers' driving records. As any good business would, FICO saw this as an opportunity.

Why would this be a surprise? Both of these qualities play off the same mental faculty. To be specific, it is the faculty of threat-awareness. The good driver has to remain aware of the world about him, and keep track of all the things that might impact him in his course of action; the man who pays his bills on time is likewise keeping track of external factors that may cause him problems if they are not adequately addressed.

If I pay my property-tax bill on time, the government doesn't auction off my house on the courthouse steps; if I pay my other bills on time, I don't have to field calls from irate collection agents. It's the same skill as avoiding car crashes. The world is full of threats; you're tracking them and putting them down as they come up. Good for you!

Health care is another industry that you might not expect FICO to be able to employ behavioral analysis. It turns out that many people with imperfect credit scores are also imperfect patients. Greene explains that his company has found that these individuals often don't take their medication as indicated and don't adhere to health care regiments set up by doctors.

Again, is this really surprising? The faculty here is self-discipline. So?