Scorecard analysis has been used since the era of the adding machine. This method scrutinized aspects of a Borrower’s financial portfolio such as payment history, debt load, length of credit history, kinds of credit used, and current credit queries. Using this outdated strategy, potential borrowers were denied credit without much thought about the borrower’s present financial situation or other circumstances. Big AI takes the pain and guesswork out of lending through AI. AI makes use of more data to provide an individual credit score. The score is based on factors such as current income, employment opportunities, credit history, and earning potential. Keeping with ease of use, Our homespun AI, Big AI does the grunt work, so you don’t have to.