@misc{AIBD0865_b56ebf1dbbcc,
  author = {Peter H. Vartanian},
  title = {Mercado Libre credit score predicted defaults better than the bureau},
  year = {2026},
  publisher = {Artificial Intelligence Benefits Database},
  url = {https://petervartanian.xyz/aibd/records/AIBD-0865.html},
  note = {AIBD-0865. Version b56ebf1dbbcc53029cf01bb91a4e3da7afcdc2be1d343990a1f46f287f08b1f8. Edition 2026-10-31-58ea28547e63, archived at https://doi.org/10.7910/DVN/AADSII, version 4.0}
}