Credit ratings are "how likely is it that this person will pay the money back?" ratings - and 'dull' people who have a steady stable income and don't just bugger off to the other side of the world at a whim are the people most likely to pay back debt monthly.
People who have been at the same company for years, know the job inside out and have a proven track record of delivering what the company needs are more valuable than the new, exciting employee that might talk the talk, but hasn't proven they will actually do the job well.
People who don't have "interesting" social lives are more likely to turn up to work at the time they are paid to start in a fit state to do the work they are paid to do.
People who live well within their means, spending a bit less than their earn each month and don't spend all their income on shiny exciting new things and/or disappear off around the world "making memories" , are more likely to have significant savings than those who don't.
Life doesn't reward "dull" people, but what you think of as dull, many others call "sensible" or "reliable".
I am very glad I've married a man with dull tendancies, I like not having to worry about finances and if he's just going to come home and tell him he's resigning to start a ferret farming business, or has spent the pension fund on a sportscar, or feels he should retrain for the church, or has accepted a job in South America, or some other shit I'll have to try and manage.
Dull works for me.