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Credit scores have played a pivotal role in determining individuals' financial health and access to credit. From humble beginnings to complex algorithms, the evolution of credit scoring reflects the changing landscape of consumer finance. In the early 20th century, credit evaluation was a rudimentary process, often based on personal relationships and trust within small communities. Merchants and lenders relied on references and reputation to assess borrowers' creditworthiness. However, as consumerism surged and financial transactions became more widespread, the need for a standardized system emerged. The 1950s witnessed the birth of modern credit scoring with the establishment of the Fair Isaac…