[quonn]

That‘s not a solution a bank will buy or pay for, because the bank would do worse on average.

The solution is to still have humans in the loop who can make reasonable decisions.

[mD5pPxMcS6fVWKE]

Apartment managers see credit score below X and reject an applicant. If they were to make their own decisions, it would be a legal liability. If they reject based on credit score and other non-protected criteria, they can't be sued.