Abstract
The article discusses the relation between skills (or competences), creditability, and aptness . The positive suggestion is that we might make progress understanding the relation between creditability and aptness by inquiring more generally about how different kinds of competences and their exercise might underwrite allocation of credit. Whether or not a competence is acquired and whether or not a competence is actively exercised might matter for the credit that the agent deserves for the exercise of that competence. A fine-grained taxonomy of competences opens up the possibility of instinctual knowledge (knowledge by mere instincts) as well as the possibility of habitual knowledge (knowledge by mere habits), alongside knowledge by skills (or alongside knowledge by yet other sorts of competences). If instinctual knowledge were possible, it is suggested that it might not be of the sort that deserves credit at all. By piggybacking from the literature in evolutionary psychology, I suggest that, as inborn social learners, merely instinctual—and so not fully creditable—knowledge might be a reality for us.