Late Stage Capitalism
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i think that article describes many different systems and grouping them under a concept that's not necessarily related. the us system is definitely an odd man out.
How so? They all seem to be used for estimating risk when pricing a loan and are based on financial history.
the big difference i can see is that most systems described seem binary. if you don't pay your debs, you get a strike. the american system, as i had it explained to me, is based on cash flow, so you need to have debts to pay in order to get a good score.
Not unique to the US, we have the same thing here in Canada
the uk also has something similar. which makes sense.