Comments by "André" (@Andre-qo5ek) on "Socratica" channel.

  1. the models are garbage unfortunately. in one place i have 725 in another 681 and another 550 they whole thing is rigged and not a single agency can explain my exact score. just the generic stuff that this video explains. paying off student debt took nearly 60 points from my score. they want you in debt, it has nothing really to do with credit worthiness. i was denied financing of home improvements seemingly because of these completely erratic score differences. i say seemingly because no one can explain anything. they ALL just point to " the algorithm" and think it is an acceptable response. " the algorithm" = a black box with seemingly no regulation , oversight, accountability, or auditability. quite frankly it is extortion.
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