Companies don’t remember or learn. People come and go and after a software lifecycle everything is forgotten as the top management gets refreshed.

In my case those almost never pass. Maybe you’re the only one exclusively working on that system…? When you’re one of a number of contractors competing to do something in software that cannot be regulated, you’re basically screwed.

Did this credit card score in the US come from a Black Mirror episode or something? Sure we have companies (in the EU) doing some customer scoring checks beforehand (for some utilities or services), but they operate mostly by accessing shared black lists from past collections systems or something, and I’m ok with that. But this US system looks scary!