James Martinez's perfect credit score couldn't save him from being denied a mortgage, leading to the discovery of alternative credit scoring systems using social media and shopping habits. We investigate how AI-powered financial assessment tools analyze everything from your purchase timing to your social connections to determine creditworthiness. Former fintech developer Lisa Wong reveals how these shadow scores are calculated, while consumer rights advocate Bernard Klein discusses the legal battles over algorithmic lending discrimination. The episode culminates in an exploration of how these systems particularly impact gig economy workers and small business owners.
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