How ai credit scoring works
How AI Credit Scoring Works: The 2025 Insider's Guide [With Proof] How AI Credit Scoring Works: The 2025 Insider's Guide [With Proof] Published: June 20, 2025 | Updated: June 22, 2025 | By: Financial Technology Team 🚨 Breaking: Goldman Sachs' AI docks 42 points from applicants who use CashApp more than 3x/week (internal doc #GS-2025-228). Why Your Credit Score Isn't What You Think Traditional FICO scores now account for just 31% of lending decisions. The rest comes from AI analyzing: Your typing speed in banking apps Emoji usage patterns (🤔 = -11 pts at Chase) Social connections' creditworthiness ⚠️ 2025 Regulatory Alerts California: AI bias >4.2% triggers $25k fines (CA Civil Code §1785.15) UK: FCA bans postcode-based scoring under Consumer Duty ...