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Why Your AI Credit Decisions Are Legally Indefensible (And How to Fix It)
Your algorithm just denied Sarah’s loan application. She calls asking why. You check your system and see: “Credit Score: 589. Loan Denied.” That’s all you’ve got. That’s all your model gives you. Sarah pushes back: “My credit score is actually excellent. I’ve never missed a payment. Why would your AI reject me?” You stare at…