I think the hierarchy sucks, actually.

Anytime an individual or group contrives a scoring model that is based. even partially, upon subjective variables, it instigates competition amongst its membership.  Instead of being a collegial minded set of people, it does not encourage friendliness and respect but rather a one-ups-manship by those who want the "appropriate" tag or think that because of their "tag" their words carry more weight and are "better" -   I've been on the receiving end of that... and honestly, it makes me think that this is not the greatest place to belong... Unfortunately, the site is the only one with a true FICO score, or I would be.

just yuck.