Right now, companies look at only your timely historical credit payments to determine credit risk
I have to disagree with the above quote. That is not only what they used. This should shed more light http://www.entrepreneur.com/article/218126 https://www.calcxml.com/do/article?id=751719129&cat=credit
What you are proposing thus, their qualifications and data from their home country; for millennials, their education background and future potential will lead to discrimination, redlining etc..