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Credit scores are often seen as purely mathematical assessments, but beneath the numbers lies a complex tapestry of human behavior and psychology. Understanding the "why" behind financial decisions is becoming increasingly vital for lenders and consumers alike. Recent advancements in scoring models are starting to recognize this, moving beyond simple transaction history to incorporate behavioral nuances. This evolution signals a shift towards a more holistic view of financial responsibility, acknowledging that our habits, biases, and even our environment play a significant role in our creditworthiness.
