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It's true. At least, according to a Time article released Monday.

The article, which cites a soon-to-be-published issue of the Journal of Applied Psychology, says that grouchy, disagreeable and otherwise insert chosen adjective here people tend to have higher credit scores than their nicer counterparts.

Why, you might ask? There are a few theories.

"People-pleasers," as the article calls them, might be more likely to bend to pressure to apply for store credit cards, it says, and the same applies for making other unwise financial decisions, such as cosigning loans for loved ones and the like.

Less agreeable people, on the other hand, aren't as likely to fill out credit apps or checks to family or friends simply to make the other person happy.

One more tidbit: it isn't just the credit game that gives those with more - ahem - headstrong tendencies the upper hand. They're also likely to work their way higher up the corporate ladder and make more money.

In other words, I need to start working on being mean. And I advise you to do the same.

Now get outta here.