Credit scores have a well-known problem: they measure your history of managing debt, not your actual ability to repay right now. Someone with thin credit history but a stable income and healthy bank balance gets rejected, while someone with a long credit history and maxed out cards sails through...
Source: [Dev.to](https://dev.to/epplusuk/cash-flow-underwriting-explained-what-building-an-alternative-to-the-credit-score-actually-requires-51cd)