> I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that def

> I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that default starting point. > That is, no evidence in favour nor evidence against you. It's because this isn't a court of law. You're trying to convince other people to give you an unsecured loan. The default will never be an assumption of trustworthiness.