> they may penalize me unfairly for his behavior. What you are describing is just a fundamental quality of these types of risk assessment algorithms. For examp

> they may penalize me unfairly for his behavior. What you are describing is just a fundamental quality of these types of risk assessment algorithms. For example, males pay more for car insurance than females, because there is a demonstratable correlation between being a male and the insurance company paying out more money to you. This is true even for an individual that has been in absolutely no accidents. Statistically it is true that a male that has had no accidents still has a higher expected value for insurance payouts in the future than a female that has been in no accidents. You as an individual is an unknown quantity that they cannot absolutely determine. There may have been completely legitimacy reasons why you failed to pay credit cards that cannot possibly occur again in your life, you should equally complain about that not being taken into account. No one can perfectly predict the future (if they could, insurance would be pointless). They can only use information that they have to imperfectly model the future; both who you tweet and previous credit card payments are imperfect signals for what will happen in your future. It is true that how you paid your credit cards in the past is a much stronger singal; it is absolutely impossible that any credit evaluation is taking who your cousin is and your personal history as equals. Their models take into account that who you tweet is a much lesser indicator.