How it works
In the made-up town of Lantern Bay, Mr. Fenn's needle board reads a report and points to one place. That reading is called a score. In Lantern Bay it has no numbers, only a needle.
Five things push the needle: paying on time, how much limit is used, how long, new asks, and the mix.
They are not equal. Paying on time weighs the most, then how much limit is used. The other three weigh less, and the mix counts least.
A score is not a grade for a person. It is a picture of a report, and needles move as the book grows.