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A comment on IMF working paper suggests using browsing history in credit score calculations. Parent comment

Re:IMF working paper suggests using browsing history in cred... by infamouscow on Tuesday August 24, 2021 @12:23PM (#28290960)
Lenders should be able to make a determination by looking at the person's history of defaulting. An opaque number doesn't tell you that.
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Re:IMF working paper suggests using browsing history in cred... by ianmcgowan on Tuesday August 24, 2021 @12:40PM (#28291283)
I mean, that's exactly what the opaque number is trying to do - typically you have some thresholds, below X deny the loan request, above Y approve, in the gray area review.. The number will have some complex weighting, but I'm not sure how you get away from assigning a score if you want to make an automated decision.
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Re:IMF working paper suggests using browsing history in cred... by infamouscow on Wednesday August 25, 2021 @10:20AM (#28302028)
The way the credit bureaus derived scores is automated, so what's the point of the score?
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