[yebyen]

Not any metric is gameable.

A reliable indicator of whether you will pay your bills in the future might be whether you paid your bills in the past. There is no way to game this metric, other than by paying your bills.

You just chose a metric that would be easily gamed and said that any metric is gameable.

[chimeracoder]

> There is no way to game this metric, other than by paying your bills.

Except the exact situation outlined above, in which a person generated bills that they otherwise wouldn't have needed, for the sole sake of having more bills "paid on time".

[yebyen]

So, how does one get over in gaming this metric? Take out a lot of credit accounts once your credit is good and then default on them? What's the end game where they come out ahead? See prior comment about the bank job... that's just called having and ruining your credit.