Science & Technology · Digital book

Scored

By Sikho

Every adult life runs on numbers nobody ever taught you to read: a credit score that swings a hundred points over one late payment, an insurance premium built from a table that bets on how long you'll live, a resume filtered by software before a human ever opens it, an admissions formula that reduces a teenager to two components, a criminal-risk score that helps decide who goes home and who doesn't, and a feed that decides what you see next. Scored is the book that actually shows you the arithmetic behind all six — not a critique of algorithms, and not a graduate-level textbook, but a plain-language, fully worked walkthrough of the real formulas: the weighted sum, the logistic function, the actuarial equivalence principle, decile risk ranking, and recency-weighted decay. Following an ER nurse rebuilding her credit after a layoff and a small-business owner fighting a stale data error that auto-declined his loan, alongside real, documented cases — Amazon's scrapped AI recruiting tool, the UK's 2020 algorithmic grading scandal, and the real Wisconsin Supreme Court case that tested a criminal-risk algorithm's constitutionality — this book hands you the actual math, worked on real numbers, so you can approximate your own scores with a calculator and know exactly which levers move them. No hedging, no folklore, no black box. Just the formula, shown whole.

362 minutes estimated reading

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