How is this much different than a credit score? One is estimating your purchasing potential, while the other is estimating your likelihood to pay. Two sides o

How is this much different than a credit score? One is estimating your purchasing potential, while the other is estimating your likelihood to pay. Two sides of the same consumer purchasing coin. In fact, I am surprised I haven't seen the credit reporting companies already pushing this kind of product. Seems like a natural extension.