Hacker News Reader

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.

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.

Reply on news.ycombinator.com