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@anildash Something to consider here: if creditors were no longer able to get a (mostly) complete, accurate and unbiased view of a potential borrower’s creditworthiness, they will revert to old-fashioned “manual” underwriting, where a person will make a judgement call on how they “feel” about a borrower. We know from history which communities get outsized benefits and which suffer under that regime. Current system is far from perfect, but there have been real benefits too.