Snarkyness aside, credit scores are un-auditable algorithms runs by private corporations. They do a bad job at measuring fiscal responsibility, and do not measure any other kind of responsibility.
They aren't even supposed to measure fiscal responsibility they actually measure how profitable you are to exploit by lending to you which we have hijacked to mean you are reliable.
Snarkyness aside, credit scores are un-auditable algorithms runs by private corporations. They do a bad job at measuring fiscal responsibility, and do not measure any other kind of responsibility.