许多人认为智能机器必然是正确和客观的，但机器是通过反复测试和评分过程来训练的。
Many people believe smart machines are necessarily correct and objective, but machines are trained through a repeated testing and scoring process.
有许多人余额很多但是信用评分较低，但是从根本上这样做可以提高他们的信用评分。
There are a lot of people out there with large balances that have poor credit scores but have fundamentally put into place the necessary things that allow them to become better credit scores.
很多是不评分的，很多人得了1分（分制），只有1个拿了4分。
Most are not rated, some got 1 out of 5, and one got 4 out of 5.
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