Lurk, i've sent you a PM, yes the credit rating drop reflects the number of open listings/credit lines you have.
This is not a scammer tag!
Hm, but that sounds silly. If the person can still pay even if they have a lot of loans and payments are made on the due date then they shouldn't have rating lowered.
On the other hand you could add like a credit score to it, like in real life and reflect that with that.
You look at the person and then you see they have many loans repaid and then you wonder why their rating is so low.
Don't know if that makes a difference with any other loans.