There's so much potential for mis-scoring here. Take the 'wasted' example. You can't just grep for the word, it depends on the context. e.g. What if someone is

There's so much potential for mis-scoring here. Take the 'wasted' example. You can't just grep for the word, it depends on the context. e.g. What if someone is a big fan of the GTA games? The game uses the phrase 'wasted' when you die - so if you happen to be posting GTA videoe, your descriptions might end up lowering your credit score! Credit scores at the moment at least can be queried and mistakes corrected. This new kind of scoring will be opaque and unaccountable.