That's very strange. IMO, it might make sense to operate on the "Folks with bad credit tend to cluster" intuition for folks who have no established credit histo

That's very strange. IMO, it might make sense to operate on the "Folks with bad credit tend to cluster" intuition for folks who have no established credit history, seeing as how you don't have any other data on them. However, it makes no sense to do this for people who have an established track record. I'm sure as hell not going to stop honoring my financial obligations just because I moved into a building with some deadbeat debtor (or worse, just because the debtor moved in to the building!). Do these creditors think that people have the moral fortitude of five-year-olds?!