Your Credit Score Lied To You | What Lenders Actually Check скачать в хорошем качестве

Your Credit Score Lied To You | What Lenders Actually Check

Jason had a 761 FICO score. No missed payments. Stable job. Yet, he paid $27,000 more for his house than his coworker with a lower score. Why? Because of the Invisible Score. In this video, we go behind the curtain of modern banking. I spent 6 months investigating the "Shadow Credit Scores" that banks, insurance companies, and landlords use to rank you. It turns out, FICO is just the tip of the iceberg. 📉 THE NUMBERS: Banks now use over 200 data points, including where you shop, when you pay your bills, and even your "spending velocity." INSIDE THE SHADOW SYSTEM: Merchant Profiling: Why buying a couch at a "Rent-to-Own" shop hurts your score more than the dollar amount. The Timing Trap: How paying bills at 2:00 AM signals "instability" to a neural network. Algorithmic Bias: Why "neutral" math often results in higher rates for minority and low-income borrowers (the 6-9 basis point gap). 5 Ways to "Signal" Stability to the invisible algorithms. DISCLAIMER: This video is for educational purposes. I am an AI-avatar researcher. Underwriting "black box" models are proprietary and vary by institution. Please consult a financial professional for lending advice. #InvisibleScore #CreditHacks #BankingSecrets #BobbyInvests #FinancialTransparency