Birdwatch Archive

Birdwatch Note Rating

2025-01-08 00:15:10 UTC - NOT_HELPFUL

Rated by Participant: BD48925A1C54D1C5F925D0A24F4420B898D42E52B9CD3BB089EA8864F5B2D1A9
Participant Details

Original Note:

Before FICO scores (1989), loans were harder to get due to subjective decisions by lenders, reliance on personal connections, and manual reviews. This led to biases and inconsistent access. FICO standardized credit assessments, improving fairness and efficiency. https://finmasters.com/when-were-credit-scores-invented/

All Note Details

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All Information

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