[tarranoth]

As far as I understand (not a US citizen), the biggest thing people seem to do is: -get a credit card -do your normal shopping with it But this just seems nonsensical to me, sure if you can't pay your shopping cart, a mortgage is very likely a bad idea. But what predictive value is there in this score besides that? For individuals it seems more useful to just ask payslip info instead of some weird arbitrary number to get the feeling if someone can pay you.