E Scores are scores based off spending done on the internet. Unlike a normal credit score, scores cannot be viewed by consumers. In addition, scores can be based off things that may not indicate financial health, such as types of things purchased or how often they buy things online. People with a low E Scores may be treated unfairly compared to those deemed to have a good E Score.

Co Signing on anything can leave the cosigner liable for payments. If payments are not made, their credit score can take a significant blow, even though they were only the co-signers.