Another thing to consider is long term versus short term behavior. In my experience, some people have spurts of negative activity that are important to account

Another thing to consider is long term versus short term behavior. In my experience, some people have spurts of negative activity that are important to account for in small time spans but which may smooth out over time, that is, you may want to steer clear of someone for a month but the next month they are fine. This can coincide with financial issues, mental health as well as general stress.