Abstract: Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.

Abstract: Methods and systems are described herein for a mechanism for detecting model bias using a test model to compare predictions for specific categories of data. Thus, the system may detect category-specific model bias and/or present alternative predictions, for example, via overfitted and alternative machine learning models. Another mechanism for detecting model bias is to use residual data from predictions obtained from a machine learning model as the machine learning model processes different datasets (e.g., a training dataset and a compare dataset).

Abstract: Methods and systems are described herein for a mechanism for detecting model bias using a test model to compare predictions for specific categories of data. Thus, the system may detect category-specific model bias and/or present alternative predictions, for example, via overfitted and alternative machine learning models. Another mechanism for detecting model bias is to use residual data from predictions obtained from a machine learning model as the machine learning model processes different datasets (e.g., a training dataset and a compare dataset).

Abstract: Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.