Credits scores for loans make sense. But increasingly they are being used as proxies "general trustworthiness" which they are not well designed to support, even

Credits scores for loans make sense. But increasingly they are being used as proxies "general trustworthiness" which they are not well designed to support, even if there is some rough correlation. They shouldn't be used a gate to employment, or rental housing (some of the factors apply, being able to afford rent, or prior payment history are relevant ... but the scores are still abused beyond those factors).