Often "algorithms" gets used as the bad guy for processes which are, strictly speaking, algorithms, but which are opaque, have strong societal relevance, and are obviously-computer-adjacent, for the purpose of criticizing the results of those processes.
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Most countries I hear about will downright not grant you a loan if you are not a citizen or at least have a green card. Credit score is one thing, another thing are regulations. The bank might not want to give you a loan no matter what your score is unless there are regulations
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