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.
Maybe that's what living is-- recognizing the marvels and oddities around you. (S. K. Ali)