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How AI Is Rewriting 70 Years of Lending Rules

The article argues that traditional credit scores, unchanged for 70 years, are being supplanted by AI‑driven machine‑learning models that analyze the full breadth of credit‑bureau data. These models capture nuanced payment patterns, seasonal cash‑flow variations, and interaction effects that a single score cannot. By delivering more accurate risk assessments, lenders can approve more borrowers without increasing losses, while maintaining regulatory compliance through explainable AI. The shift requires disciplined governance, continuous monitoring, and transparent documentation to realize fairer, faster lending outcomes.