The real answer is that you work to address the underlying reasons that certain demographics are more likely to be delinquent on loans than others. Of course, t

The real answer is that you work to address the underlying reasons that certain demographics are more likely to be delinquent on loans than others. Of course, this would take enormous amounts of effort and decades to happen, which is why nobody wants to hear the real solution to the problem, and instead just want a quick and easy superficial fix (“it must be the algorithm’s fault”).