as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
how might someone use machine learning to assess credit scores of borrowers?
user
machine learning could be used to assess credit scores of borrowers by analyzing the borrower's past financial history. the model could take into account factors such as income, debt-to-income ratio, past credit payments, and other such factors to calculate the borrower's credit score.
assistant