If I were to lend you money, would you pay me back in full, on time? To venture a guess, I'd like to know: - the outcome of all of your past debts, - your cu

If I were to lend you money, would you pay me back in full, on time? To venture a guess, I'd like to know: - the outcome of all of your past debts, - your current sources of income, - likely future sources of income, - and a valuation of (some) of your assets that I might be able to go after if you don't pay me. To me, any other indicator used in some kind of correlation game is just laziness. Let's just identify people we don't like and give them low credit scores, and give ourselves high credit scores. Right? [edited for formatting]