[PragmaticPulp]

> Why then do we not take income into account in credit worthiness?

Income is definitely considered in large loans. You’re not going to get a mortgage or a car loan on your credit score alone.

Credit firms also collect a lot of payroll data, but it’s kept separate from what you know as your credit score because they inherently can’t have payroll data for everyone that also has credit history data. The scores must be kept separate as a result.

Here’s just one example of credit worthiness companies expanding their payroll data collection: https://krebsonsecurity.com/2021/07/intuit-to-share-payroll-...