How does the company handle credit score calculations?

The correct answer indicates that the company does not discriminate against any class when calculating credit scores, which aligns with legal standards and ethical practices in credit scoring. Credit scoring models are designed to assess an individual's creditworthiness based on objective financial information, such as payment history, credit utilization, length of credit history, types of credit in use, and recent credit inquiries. These factors are intended to provide an equitable assessment of an individual's ability to manage credit, ensuring that all applicants are evaluated on the same financial criteria, regardless of their social class, race, or other potentially discriminatory factors.

By not discriminating against any class, the company adheres to regulations aimed at preventing discrimination in lending practices, such as the Equal Credit Opportunity Act (ECOA) in the United States, which prohibits creditors from discriminating against applicants based on race, color, religion, national origin, sex, marital status, or age. This principle is central to fair lending and ensures that individuals have equal access to credit opportunities based on their financial behaviors rather than irrelevant personal characteristics.