I was quite excited to see a credit score mechanism being worked on that can be used in the DeFi ecosystem. Of all the items you list this point is the most interesting. However reading the Telescore API section of the lightpaper I am wondering if you are measuring the correct attributes to determine someone's credit worthiness to re-pay a loan? You list the following attributes:

1. How many transactions in wallet?
2. What’s the wallet balance?
3. Time holding coins
4. Telefy protocol usage (Extra score!)
5. NFT transactions
6. Amount owned and repaid
7. Credit History Length
8. Any Collateralized Liquidation History
9. Cross Chain wallet transaction validation

These things can give you a score, but is it a score that can be applied to determine if the holder will pay back a loan? I am skeptical that about the principle of calculating a credit score in this case. The best way to secure a loan would be to lock up collateral in a contract that will automatically go the lender in the case of default. This plays closer to point 8 in the list. However locking something into a contract as collateral is independent of a credit score. I think most items on the list are irrelevant to determine if someone will pay back a loan. Some people for example store coins/tokens in new addresses because some consider that best practice. These people might be the lowest risk to pay back a loan yet they will be penalized?