Our second article expanded on the technical foundations, examining the historical development and technological evolution of credit scoring systems. We traced the journey from subjective, personal credit decisions to sophisticated, data-driven evaluation mechanisms. The article explored:

• The historical context of credit assessment in the United States
• The founding of key institutions like the Fair Isaac Corporation
• The development of increasingly complex scoring algorithms
• The integration of new data sources and evaluation techniques
• The ongoing technological innovations in credit scoring

We paid particular attention to how technological advancements have transformed credit scoring, from early manual systems to today's real-time, AI-powered evaluation platforms.