Credit scoring is an automated process that evaluates an individual's creditworthiness using algorithms and statistical models. By analyzing historical financial data, such as payment history, outstanding debts, and length of credit history, credit scoring systems generate a numerical score representing the likelihood that a person will repay borrowed funds. These scores are widely used by lenders, banks, and financial institutions to assess risk before approving loans, credit cards, or other financial products. In cybersecurity, protecting the integrity and confidentiality of credit scoring data is essential to prevent fraud, identity theft, and unauthorized access, ensuring fair and accurate credit assessments.