4 ms·

It is arbitrary, why do you think it isn't?

• harryh 8y ago
  Arbitrary means "based on random choice or personal whim, rather than any reason or system." Whatever problems you have with credit scores, they are robust predictors of people's likelihood of paying back loans.
  • ithkuil 8y ago
    Something can be accurate statistically but still be quite bad for those individuals for which it isn't.
    • tptacek 8y ago
      Perhaps, but that thing will not be arbitrary.