<transcript><audio_37>methodologies if you want to accurately predict as you move away from FICO 700 you have to use more data and nonlinear models when you get to people who have</transcript><transcript><audio_38>no FICO scores right the traditional financial institution just says you don't a score you can't borrow from us we made an interesting discovery in auditing lenders we found a lender that was</transcript> methodologies if you want to accurately predict as you move away from FICO 700 you have to use more data and nonlinear models when you get to people who have no FICO scores right the traditional financial institution just says you don't a score you can't borrow from us we made an interesting discovery in auditing lenders we found a lender that was
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