Maybe we could have an opt-in system.
Shoppers who will always be the equivalent of 850 might fit into the FICO-style rating system.
Others, such as me, who began as clueless blobs but have improved and now earn (not just receive) many high and perfect scores; have experienced early-career setbacks; or have score scars from some other issue, might enjoy an individualized progression or improvement log.
Our career records would include all glories and everything else.
Nature does not hurry, yet everything is accomplished. - Lao-Tzu