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I finally got a credit decision overturned after 6 months of appeals | Algorithmic Fairness Debate - Free To Speak

I finally got a credit decision overturned after 6 months of appeals

A loan officer in Columbus admitted the scoring model double-counted my late rent payment from 2022, and after I sent them a PDF of my bank statements showing the direct deposit dates, they manually reviewed it and reversed the denial, so has anyone else had luck getting a human to actually override an automated score?

2 comments

2 Comments

the_fiona1mo ago

That must have felt like such a relief after dragging it out for six months. Did you have to push back multiple times before they even looked at the bank statements, or did you get lucky with that loan officer? I had a similar thing happen with a car loan last year, the automated system kept flagging a payment I made on the 1st instead of the 31st, and it took three calls and a fax of my pay stubs to get a person to fix it. It's wild how much proof you need just to show a computer made a simple mistake.

leo_black761mo ago

Honestly, I have to push back on this. The whole point of those automated scores is to be consistent and fair. When you get a human to override it, you aren't getting justice, you're getting lucky. You found one person out of a hundred who was willing to bend the rules for you. What about the guy next to you who had the same exact problem but didn't have the time or the documents to fight it for six months? He gets denied and you get approved for the same mistake. That isn't right. The system being rigid is the only thing that keeps it from being completely arbitrary. I get that it feels good when it works in your favor, but you just proved the rules can be broken if you complain loud enough. That sets a bad precedent for everyone else.