You have to give credit to artificial intelligence


Lenders put your information into a database and out spits a score that will determine your credit worthiness. Today, this process is so streamlined that you can apply online and get an almost immediate response to your loan inquiry. Clearly, no real person is involved in a decision that can have a great effect on your life. Many years ago, there were such things as "character" loans. A bank manager, who knew you, would decide whether to grant a loan based on factors that are hard to quantify.

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