How to Rate Credit Worthiness if There Was No VICO Score

Susie Ormond: I want to hear what your idea would be if there was no VICO score. FICO stands for Fair Isaac Corporation, the company that created the credit score. She says people were punished for paying in cash, but rewarded by paying the minimum payment due on their credit cards. O'Donnell: The system doesn't make any sense. There's got to be a better way to do it.