That does make sense, though it makes it that much more of a horror that places are using it to determine whether or not you'll make a good employee or a good r

That does make sense, though it makes it that much more of a horror that places are using it to determine whether or not you'll make a good employee or a good renter. "You won't make money for the bank, so pay more for insurance and don't rent here". Those places definitely use it differently than the folks providing the scores.