I think their algorithm probably works well for people who fall into a typical social mold, but for those of us who are atypical it falls apart. I'm an almost

I think their algorithm probably works well for people who fall into a typical social mold, but for those of us who are atypical it falls apart. I'm an almost didn't graduate high school, college dropout, who never studied, and has changed phone numbers five times. According to the minimal information I have from the article, they wouldn't consider me loan-worthy. The flip side of this is that in the StrengthsFinder personality assessment, it lists "Responsibility" as my top strength. I'm a man of my word who has never reneged on a promise or failed to pay back a debt, even if I have had to struggle or sacrifice to do so, and consequently I have near perfect credit and am financially relatively well off compared to the average situation for someone in my age bracket in the US. While it's useful and good to seek to classify things into quantifiable buckets of data, it's also important not to lose sight of the fact that people are not easily quantifiable, and that any attempt to segment people into classifications will inevitably treat someone unfairly or misclassify them because they somehow differ from the typical set.