Agree 100%. There's a more general notion of conscientiousness [1] that, without evidence, seems the really deep, meaningful thing we should measure. Credit sc

Agree 100%. There's a more general notion of conscientiousness [1] that, without evidence, seems the really deep, meaningful thing we should measure. Credit score is crappy because cash-only people won't have it and it's effectively monopolized by three data providers with who-knows-what for commercial/financial incentives. [1] http://en.wikipedia.org/wiki/Big_Five_personality_traits http://en.wikipedia.org/wiki/Big_Five_personality_traits