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Today, startups are trying to fix this by scoring... Netflix habits and metro card usage? 🎬 Yes, binge-watching Bridgerton might actually affect your loan approval 😅

It took until the 1970s Equal Credit Opportunity Act for banks to embrace the system. Not because the math was better - but because the law said "Stop being awful to women and racial minorities." 📜

A $2 bar bet in 1956 San Francisco completely revolutionized how the world measures trust. That napkin math now controls 90% of US loans and gates everything from apartments to jobs 🤯 🧵 👇

Is giving students 260 slides to read way too much or are they just lazy?

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