But surely there's some kind of refining your inputs where all the paths converge to one result, much like the refinement of interval partitions in Riemann's in

But surely there's some kind of refining your inputs where all the paths converge to one result, much like the refinement of interval partitions in Riemann's integral converges to one value (for a certain class of functions). The bits of information may be infinite but there's some structure in them. I'm not sure that just because the optimal result (the one that uses all information) is something you don't like, the result is bad. Best thing you can say is that you're actually not predicting an existing credit score, but rather synthesizing some other indicator that is not an existing credit score.