no the banks are out for profit.

Your g/f wont make the bank much money, as low income, poor credit rating etc. they will assume her account will be mostly at zero from the day after payday, as her credit history tells the bank she cant handle her money.

Also remember credit scoring is about profit. protecting consumers from bad debt is secondary. You can be mr perfect paying all your bills, mortgage on time etc only use credit card occassionally for expenses and clear it quick- a good manager of thier finances most people would say, but his credit score would not be that great as he doesnt use credit much and doesnt make the lenders much money.