Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
When Your AI Credit Score Is Actually a Social Score
In this episode, Lucas and Luna explore how alternative credit scoring models are quietly turning your social media activity, shopping habits, and even your phone's battery level into creditworthiness signals. They focus on a 2025 Consumer Financial Protection Bureau report that found 45 million Americans are 'credit invisible' or have unscorable records, and how startups like Nova Credit and Petal are using non-traditional data — but also how this opens the door to discrimination and privacy invasion. The hosts discuss a specific case from March 2026 where a woman in Ohio was denied a car…
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