I don't want to. Any system will have mistakes (and there are legal remedies for this particular system already), but for the vast, vast majority of people, the

I don't want to. Any system will have mistakes (and there are legal remedies for this particular system already), but for the vast, vast majority of people, their score is a fair reflection of whether you should lend to them. I've been responsible with credit my whole life, never had a bad mark appear on my report, and consequently never been denied an application.