I am convinced the scoring is designed to make a curve so that as many people as possible can be charged higher rates under the bell.
It also penalizes you for paying off things and weighs revolving way too much. It scores how profitable you are, not how wise you are. Like taxes and SEO, you end up playing the system to back into the alogithms.
I am convinced the scoring is designed to make a curve so that as many people as possible can be charged higher rates under the bell.
It also penalizes you for paying off things and weighs revolving way too much. It scores how profitable you are, not how wise you are. Like taxes and SEO, you end up playing the system to back into the alogithms.