Depends on the situation. If it was from a single event it may not be irresponsibility. For example a medical issue or unemployment often results in damaged credit. If they just maxed out all their cards and had no financial control, then I would not. They would keep you broke your whole life. You will know that by watching how they spend money. Do they spend wisely. Are they careful with their money. Do they look for ways to save. If they do, credit can be repaired. Spending habits is a harder issue to resolve.