Unverified50% confidenceFactExact time
Before credit scoring systems emerged, human lending relied heavily on personal relationships and local reputation, and trust was local and non-portable.
1
Sources
50%
Confidence
Long-term
Relevance
9/13/2026
First Seen
Sources
Related Entities
Related Claims
UnverifiedCredit scoring standardized and made trust portable, enabling large-scale financial collaboration between strangers.70% similarUnverifiedIn the US FICO credit scoring system, the number of newly opened accounts and the average length of credit history are both scoring factors, and opening new cards too frequently can have a negative impact on credit scores.63% similar
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