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Better alternative to credit scores?

Every few days we get the same screenshot of a tweet of someone's credit score dropping. The responses are typically always the same, with many here saying that the credit score system is bad. Credit lenders are going to need a way to systematically determine credit risk, so it's going to stick around in some form. So what's the alternative? What's the better method?


Every few days we get the same screenshot of a tweet of someone's credit score dropping. The responses are typically always the same, with many here saying that the credit score system is bad. Credit lenders are going to need a way to systematically determine credit risk, so it's going to stick around in some form.

So what's the alternative? What's the better method?

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