> So technically I’m sort of a terrible customer for a bank, but I imagine my credit score would be quite high? Correct. It's not a profitability score, it's a

> So technically I’m sort of a terrible customer for a bank, but I imagine my credit score would be quite high? Correct. It's not a profitability score, it's a risk score. The only thing it tracks is how likely they think you are to pay back the loan. They like to see activity though, they want to see you borrow money and pay it back. If you never borrow money your score can be lower since they don't have data on it. > But an actual credit score? That seems very dystopian. At the end of the day your lender is going to evaluate you. In the US they standardized it instead of letting it be subjective. Does that really seem dystopian?