The score that decides the contract
A score weights a person's creditworthiness and becomes the de facto basis of contract and access decisions.
A contract is refused, made costlier or harder to obtain. The person bears the effect without knowing the calculation.
Disclosure of the result does not grant access to the working form. Transparency stays below the level at which the form actually acts.
Which body would have to make the weighting itself accountable and revisable — not merely the single result?
The form decides before the visible decision. The answer reaches the result, but not the genesis of the form.
Reference: CJEU on automated credit assessment (C-634/21) and on the explainability of the logic involved (C-203/22).