Algorithmic Bias

Borrowers Must be On-Guard Against Office Space Economics

What if your credit score isn't damaged by missed payments or financial mistakes—but by tiny, nearly invisible accounting maneuvers that add up over time? Credit expert and financial educator, Michael Grayson argues that millions of Americans may be unknowingly paying more for loans, credit cards, and mortgages because of what he calls “Strategic Overpayment,” a system that allegedly uses algorithms and fractional adjustments to quietly increase lender profits.

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