> A credit agency that actually looks at an individuals ability to pay back a loan. The problem with that is that just because someone is able to pay back a lo

> A credit agency that actually looks at an individuals ability to pay back a loan. The problem with that is that just because someone is able to pay back a loan doesn't mean they will. I had a roommate in college that financially was able to pay off a credit card, but was just so irresponsible that he ignored it.