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Credit History Transunion, Equifax, Experian. How credible are they? Who controls them? What parameters do they use for rating? Are their methods fair? No Are they racist? Yes Should alcohol, smoking, and/or adultery be part of an individual's credit history? Yes Should we have more varied credit bureaus? Yes |
| Question | Score |
|
What language do you speak? I prefer the English language. | + Plus 5 |
|
How old are you? > 21 | + Plus 5 |
| What is good human character? | + Plus 5 |
| What is good human behavior? | + Plus 5 |
| Do you have a spouse? | + Plus 1 |
|
With how many different people have you had intercourse up to now?
| Not with spouse - Minus 5 |
| Do you smoke? | - Minus 2 |
| Do you use alcohol? | - Minus 3 |
|
Do you abuse any drugs? If yes. | - Minus 4 |
| Total minimum | 21 |