A big part of depression is negative thinking, so it's not too much of a stretch to believe that positive thoughts, like hope, would lessen depression.
When I was in my twenties and early thirties, I never worried about any of this at all.
Closed a loan? That costs me points, somehow.
Dad got a new cell phone and they ran the wrong person's credit? That cost me points too, because clearly their screw up was my fault. Hope he was still approved.
I rent and the cars are old. Sometimes I feel like I play on hard mode by having a $3000 VISA as my only debt.
If I make a $2000 purchase, they report it Tuesday, I pay that back to them Thursday, and I check my score? Woah, dropped 80 points! What a delinquent!
That might have become more of a rant than I intended. I should probably just apply for more credit stop the large points changes like this.
Religion wraps it all up in a nice package, and plenty of folks do still choose religion and reap plenty of benefits from it, but there are other options out there.
Of course, hoping for change and actually changing yourself are two very different things.