Finally, models that have a significant impact on our lives, including credit scores and e-scores, should be open and available to the public. Ideally, we could navigate them at the level of an app on our phones. In a tight month, for example, a consumer could use such an app to compare the impact of unpaid phone and electricity bills on her credit score and see how much a lower score would affect her plans to buy a car. The technology already exists. It’s only the will we’re lacking.
