[analyst74]

You mean the credit system we have here in US, which allows you to borrow money from banks at a low interest rate, buy a car/house with little down payment, or even rent a place without having to prepay 6 month rent?

Yeah, I think every country needs it.

[Powerofmene]

And then when we have a change in control in our governments administration the rules also change, as does the formula for calculating this rating. We will have a never ending target you cannot hit regardless of how much you try....just when you think you are getting close to your target score or rating the equation changes.

[dredmorbius]

And why is it that people need to borrow money for common purchases?