Credit scores, at their core, are meant to help financial services providers understand the likelihood of loan repayment. Yet Americans consumers today have much more complex financial lives than can be captured or understood by a single score. And smart providers are already using a richer toolbox of data and analytics to understand repayment patterns. There is an opportunity for scoring to include more people and more financial transactions, and for scores to be used by consumers as well as providers for a host of credit and non-credit decisions. That opportunity starts with designing with the customer in mind. It includes creating shared value in tracking, maintaining and building true financial health — not simply coaching customers to improve their scores at a few, discrete moments when credit checks are necessary.

http://techcrunch.com/2015/07/04/measuring-your-financial-health-beyond-the-credit-score/