I'm a leftist who dislikes capitalism, but I can admit that credit scores were a step up from the way loans were done before. The old way just made it so the banks themselves decided who they wanted to issue a loan to, and that led to a lot of racism and sexism when it came to giving the loans out.

Still, I do think we can come up with a better system than the current credit score system, and I think you have the right idea to point out it's flaws to start the wheels turning on improving it.