My dad pitched me this rating system months ago, I advised that it would be fairly game-able, my big points were that 1) look how easy it is to game reviews on almost any site, amazon, glassdoor, etc. 2) any enforceable credit system needs actual teeth, the reason that credit scores are useful to institutions is that there is the direct ability to reduce someones quality of life significantly using them, e.g. bad loans, can't get an apartment, etc. to me 2 seems to be the main reason a startup credit score rating doesn't work