content: Wouldn't that be vulnerable to abuse though?? Lets say if your max credit limit is $300 and you will only be charged if you late payment after 7 days and a credit score decrease, you can purposly borrow $299.99 and be late for 6 days. You get what I mean. Would a "data testing" solution, where you feed data into the unknown algorithm (black box), and determine if the data makes sense be better off to prevent abuse??