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Evidence record 19130 · automatically gathered

The Illusion of Improvement: Reject Inference Strategies in Credit Scoring

arXiv:2606.18479v2 Announce Type: replace-cross Abstract: Reject inference methods are widely used to mitigate survival bias in credit scoring, yet their effectiveness remains poorly understood. We systematically evaluate several such methods and uncover a structural failure mode: in a natural retraining cycle, models whose accuracy improves while recall collapses create an illusion of improvement that leads practitioners to believe the system is getting better when, in fact, its rejection quali

Record details

Published: 14 August 2026
Source: arXiv cs.CY
Category: Research
Topics: Bias & fairness
Retrieved: 14 August 2026

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These records share source-supplied organisations, an exact publisher byline, automatic topics or regions. The reason is shown on every link; related does not mean supporting, agreeing with or verifying this record.

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How to cite this record

ethics.ai (14 August 2026), “The Illusion of Improvement: Reject Inference Strategies in Credit Scoring,” evidence record 19130, https://ethics.ai/record/19130 (originally published by arXiv cs.CY).

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