>The idea behind these criterion isn't to perfectly capture the creditworthiness of the applicant rather to give a general idea of their creditworthiness.

That's the thing though, based on this article these signals for credit-worthiness would actually be damaging for me despite an otherwise perfect credit history. I take issue with broadening the scope based on societal norms.

If these are used to fill in a non-existent credit history that's one thing — but as factors in an already existing credit history they feel a bit troubling.