[dragonwriter]

> Again, my original comment is merely a criticism of credit score and not the entire consumer lending infrastructure

Then why did it explicitly say that income was not considered in creditworthiness? The conflation of that with credit score was from this line in your comment: “Why then do we not take income into account in credit worthiness?” My response was directed at the error in the explicit premise of this question.

> Three credit bureaus purport to have a comprehensive opinion of someone's credit worthiness

No, they don't, which is why they also gather and provide, as separate products, payroll data and other data, and even credit decision platforms that incorporate income and other data. Credit score is a single product with a more limited function (both as advertised and as used by customers) than you are representing.

[sgerenser]

Exactly, a credit score is supposed to correlate with someone’s willingness to repay debts. Income is used to determine someone’s ability to repay. Almost all lending decisions evaluate both.