What this means is that, eventually, traditional credit scores will cease to have meaning, and risk worthiness will be determined in some other fashion. "It's not fair that someone with a 720 is able to get a car loan but someone else with a 520 can't!"
Let's just say everyone has a 800 now. Problem solved!
Yes, the F/F method as endorsed by Faggoty Frank & Dickhead Dodd!