I think the answer might lie in analysts reports and what a UK television investigation report uncovered early last year. Apparently some of these analyst reports are that far out of date, or incorrect, they didn't even see a recession coming ;o(
But some people got even richer, while others have lost their jobs and worldly goods.
Perhaps referring to credit agencies in the public sense, we might have a look into those agencies or methods used to reject or approve your own financial status when applying for something like a loan. One will accept without a concern, while the other states - the computer says no or tooo risky?.