The point here was that credit scores do not only rate your own behavior, but also those of people around you. If your neighborhood is bad, your credit score might reflect that instead of your own performance as a debtor. And if your neighborhood becomes hip and gains a better reputation, your credit score might improve even though you're still the same person.
The point here was that credit scores do not only rate your own behavior, but also those of people around you. If your neighborhood is bad, your credit score might reflect that instead of your own performance as a debtor. And if your neighborhood becomes hip and gains a better reputation, your credit score might improve even though you're still the same person.