Would the criticism go away if they called it a credit score?
would the criticism go away if they called it a happiness score?
for all the faults credit scores have, the only factor that they take into account are your credit events. they don't track every aspect of your life.
The first thing I did was say was that credit scores aren't perfect, so I'm not disagreeing with you on this. as for the "incredibly inaccurate" claim, are you talking about accuracy as a whole, or people on edge cases being screwed because they have a bad score? because I highly doubt lenders would bother paying for a worthless risk model.
>Additionally credit score calculations are all proprietary
And you think the citizen score isn't going to be?
>may have begun taking your social life into account (there are mixed reports) [...] credit score trackers do all that stuff behind closed doors..
https://en.wikipedia.org/wiki/Fair_Credit_Reporting_Act ? Also, you can opt-out of social media, not so much the government.
I'm not sure what you're trying to do by pointing out how bad credit scores are, because citizen scores are clearly worse, considering they can collect everything credit bureaus can, but more.