But CK isn’t predicting whether you will default, but whether another lender will regard you as a good customer (where default risk is just one factor). That’s

But CK isn’t predicting whether you will default, but whether another lender will regard you as a good customer (where default risk is just one factor). That’s a different problem than simply evaluating credit risk, and is much less researched — so not the same as the highly guarded credit models.