Credit scores aren't a great point of comparison because they have specific explainability requirements. If your goal is to predict defaults - for instance, if

Credit scores aren't a great point of comparison because they have specific explainability requirements. If your goal is to predict defaults - for instance, if you work for a bank or a hedge fund dealing in bonds - then more sophisticated ML techniques might be appropriate. But credit scores are optimized for consistency, not accuracy. I know that was probably an offhand example, but it's illustrative of the kinds of non-functional requirements that can make ML solutions more or less viable as soon as the technology has contact with human society.