If you throw out the "random data", some groups could be overloaned, which leads to a decrease of average credit score of that group (caused by increase of defa

If you throw out the "random data", some groups could be overloaned, which leads to a decrease of average credit score of that group (caused by increase of defaults in that group), and that can decrease amount of loans the group will get in the future, even when compared to the unfair profit maximizing policy. That's what the article is about.