Similarly, bearish sentiment above 50% or a bull-bear spread below -29 points would be more correlated with market reversals.

FORBES: Continued European Concerns Sink Bullish Sentiment Near Two-Year Low

Brush points out that the academic research shows that education is correlated with start-up success.

FORBES: Memo To Peter Thiel: Start-Up CEOs Are Not Heroes

CreditKarma CEO Ken Lin says that even though the scores are highly correlated with FICO scores, some may still be off by 100 to 150 points.

WSJ: Getting Going: The Financial Fear Mongers