← Papers · Paper 18 — Credit Scoring · MoreRight License v1.1 → Apache 2.0, Feb 2030

The Score Punished Me

Reflexive Opacity Arms Race in Algorithmic Credit Assessment

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Opacity3/3███

Responsiveness3/3███

Coupling3/3███

Void Index10/12Critical

Péclet NumberPe=7.8Phase IV

The Score Punished Me: Reflexive Opacity Arms Race in Algorithmic Credit Assessment

Paper 18 — Credit Scoring · v1.0 · February 2026

Applies the Void Framework to algorithmic credit scoring. Documents the reflexive opacity arms race. Three documented arms race cycles confirmed. EU AI Act Annex III §5 HIGH-RISK classification — enforcement 2 August 2026.

Platform Scores — Credit Scoring

Void index across 5 platforms, scored on the three-dimension framework (0–12).

Platform	Score	Void Load
Alternative Data Lenders	11/12
FICO Model (typical)	10/12
VantageScore 3.0	9/12
UK Open Banking (Constraint)	5/12
Credit Union (Manual)	4/12

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Complete methodology, empirical data, falsifiable predictions, and kill conditions.

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Paper 18 · v1.0 · February 2026 · MoreRight License v1.1 → Apache 2.0, Feb 2030 · 10.5281/zenodo.18738848