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These aren’t random factors though, they are all correlated when higher risk of default. Would you like the models to ignore these predictors of financial stre
by prepend 3y ago
These aren’t random factors though, they are all correlated when higher risk of default.
Would you like the models to ignore these predictors of financial strength? Because, you don’t like it?
- data_maan 3y agoAs the previous person pointed out, these predictors have cases when they are obviously wrong. Solely relying on statistics will have people falling through the cracks. A perfect example of when thinking only in averages, and using trendy data-first approach leads to awful and stupid results for groups with too little size to matter statistically. Make your models fair, ffs!
- calmoo 3y agoI'm sure you would change your opinion when you immigrate to a new country, have to move around to different apartments because of a massive housing crisis, and then find an apartment long term and get accepted, and then get rejected based on your SCHUFA because you moved around multiple times and perhaps opened a bank account or two.