I'm sure you would change your opinion when you immigrate to a new country, have to move around to different apartments because of a massive housing crisis, and then find an apartment long term and get accepted, and then get rejected based on your SCHUFA because you moved around multiple times and perhaps opened a bank account or two.

As the previous person pointed out, these predictors have cases when they are obviously wrong.

Solely relying on statistics will have people falling through the cracks.

A perfect example of when thinking only in averages, and using trendy data-first approach leads to awful and stupid results for groups with too little size to matter statistically. Make your models fair, ffs!