The system before credit scores was even worse. Human bankers used subjective judgement subject to individual biases. That system was unfair, inaccurate and dif

The system before credit scores was even worse. Human bankers used subjective judgement subject to individual biases. That system was unfair, inaccurate and difficult to scale. How would you replace or improve credit scores? Personally, I'd like to have much more control over who can view my credit data and for what purposes.