this is nonsense. how do you know your friends have good credit scores? who cares if they got rejected anyway?
credit models work at the aggregate level, not at individual customer level...no credit model is perfect....but at the aggregate level that are extremely predictive.
pls don't concern yourself over this. credit bureau data is extremely extremely powerful ...and being enhanced by the day
this is nonsense. how do you know your friends have good credit...
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