Why does the lack of credit checks cause you concern? As someone...

Why does the lack of credit checks cause you concern? As someone who works in the quant credit space I'm genuinely curious what your reasoning is. I'm sure you're aware that credit checks are only relevant for a few months in the lead up to the quantitative credit risk models that collect data on customers and is considered to have much higher predictive power than credit checks?

I'm sure you're aware of this because it looks like you've done a lot of research but either way maybe you can provide some insights into your reasoning. So far you've been very good at making random statements and when asked to provide some kind of proof/evidence you randomly jump to something different. So I encourage you to stay on topic.

Cheers.