I wonder how easily their approach could be gamed by companies trying to improve their credit rating; presumably, this would be more difficult if there were sev

I wonder how easily their approach could be gamed by companies trying to improve their credit rating; presumably, this would be more difficult if there were several places that the 'crowdsourcing' was taking place? Also, not to be too facetious, but the guy in the picture looks pretty smug and self-satisfied, which is a little offputting.