Direct Answer: AI is replacing the 35-year-old FICO model with systems that analyze 1,000+ data points instead of 5. Companies like Upstart approve 27% more borrowers with 16% lowe…
Direct Answer: AI is replacing the 35-year-old FICO model with systems that analyze 1,000+ data points instead of 5. Companies like Upstart approve 27% more borrowers with 16% lowe…