Your title is amazing. I came to your post to learn something new. I read your whole post and was disappointed that it was solely focused on "the difference between Centralized and decentralized systems". No core information about the credit scoring system was shared. It is considered a low-quality post, so we are muting it. We don't allow such low-quality content. For further discussion, please use our Discord channel (Appeal Section).

Cc.
@nusuranur
@alsarzilsiam