[throwawaygh]

> To start throwing nonsensical parameters like browsing history into the equation is second derivative asinine.

And trivially exploitable...

> Credit scores are so fundamentally broken anyway.

The bigger problem is that the organizations designing credit scores (and alternative metrics) are incompetent.

[SQueeeeeL]

Organizations are allowed to be incompetent. The real problem is they have buy in from other industries with major decision making abilities and the government has provided us no protections from them.

If Equifax went out of business today, you'd have 5 new equally shitty credit companies trying to get their market share.

[throwawaygh]

> Organizations are allowed to be incompetent.

Only up to a point, though. Restaurants can be shut down when they have too many health violations. Private medical practices can be sued into the ground. There are lots of types of incompetence in finance that can get you shut down / sued out of existence.

> The real problem is they have buy in from other industries with major decision making abilities and the government has provided us no protections from them.

Which is why I'm being vocal, where possible, about how incompetent these organizations have become.