| This has been the advice for quite some time. Just having court cases on your record can be seen as a black mark for both housing and some employers regardless of you winning them or their merit. It's not a majority yet, but it's been slowly eating it's way into these sectors for the past couple decades. Similar "scores" are being silently enacted for such trivial things like returning merchandise to retail stores. Stores now share information and will outright reject returns if you are deemed to have done too many returns in the past at a totally unrelated business. Leave town with a $2 bank balance and forget to close the account out? Good luck getting a new bank account for the next 7 years with the "minimum account balance" fees drawing it into the negative regardless of fixing the oversight when notified. Same for chargebacks on your credit card - chargeback more than then the calculated long-term EV of your account and you will find the process all of a sudden becomes very difficult and your account is likely closed shortly thereafter. Same goes with Amazon - have a high value account that does $50k/yr in purchases? Returns are always granted no questions asked. Low value? You will start seeing pushback from customer service very quickly and account closure regardless of the validity or reasons for return. The above are all examples I've personally experienced or witnessed. Airline mileage programs that turned into revenue programs are likely where most of this ends up. Companies simply will stop servicing low EV customers altogether on an individual vs. the group basis as it's done now. |