"Morality as anti nature" is written by Friedrich Neitzche. According to this, anti natural morality is a pure mark of weakness.
The people who do not have will and passion in them are the ones who wish to eliminate their own passion because they are not very passionate to achieve what they want. These anti moral people ascribe stability to the reality.
AS far as I know your credit score can't be affected by your parents. Your credit score can only be affected by the overdue payments and purchases you make.