[BUDDYCAT]

Common sense lending went by the way side when banks decided to lend off your "credit score". Some arbitrary number that no one can explain what it is based on, that can change one day to another, and has allowed people to obtain mortgages with virtually no credit history.

[CaptainK]

I hear what you're saying. I've seen my FICO score rollercoaster month to month for the most capricious reasons.

Arbitrary is the word.