Training corpus
Domain knowledge
FICO scoring docs
Credit bureau manuals
FCRA regulations
CFPB guidelines
Metro 2 format spec
Fair lending laws
Proprietary data
2M+ credit reports
Score improvement cases
Dispute outcomes
User interactions (anon)
Expert annotations
Synthetic data
Generated credit profiles
Scenario simulations
Edge case coverage
Diverse demographics
1 Model architecture & specialization
Base model adaptation
Llama 3 70B (base)
Continued pre-training
Domain vocabulary add
Financial tokenizer
Credit-specific embeddings
Fine-tuning stages
Stage 1: Domain SFT
Stage 2: Task SFT
Stage 3: RLHF align
Stage 4: Safety tune
Stage 5: Efficiency
Specialized heads
Score prediction head
Factor analysis head
Action recommendation
Dispute generation
Risk classification
Training compute
8x H100 cluster
DeepSpeed ZeRO-3
Mixed precision (bf16)
Gradient checkpointing
~72 GPU-hours/run
2 Credit intelligence capabilities
Score analysis
Multi-bureau interpretation
Factor impact ranking
Score trajectory forecast
Peer benchmarking
What-if simulation
Action planning
Personalized action plan
Priority sequencing
Timeline estimation
Impact scoring (pts)
Effort/impact matrix
Dispute intelligence
Error detection (auto)
Dispute letter drafting
Success prediction
Optimal strategy select
Follow-up generation
Financial reasoning
Utilization optimization
Payment strategy
Account mix advice
Hard inquiry impact
Debt payoff sequencing
3 Evaluation & benchmarking
Domain benchmarks
Credit knowledge: 94%
FCRA accuracy: 97%
Score factor: 91%
Action quality: 88%
vs GPT-4: +12pt avg
Safety benchmarks
No illegal advice: 100%
Fair lending: 99.8%
Hallucination: 1.2%
Bias (demographic): pass
Jailbreak resist: 99.5%
Business metrics
+58pt avg score lift
73% dispute success
User satisfaction: 4.6/5
Retention impact: +22%
Cost/query: $0.003
Comparison tests
vs Claude: +8% domain
vs GPT-4: +12% domain
vs Gemini: +15% domain
vs GPT-4: -3% general
Human expert: 92% agree
4 Production serving & inference
Hosting
Self-hosted (VPC)
4x A100 (inference)
vLLM serving
INT8 quantized
KV cache optimized
Routing
Credit queries → CreditLLM
General → Claude/GPT
Complexity routing
Fallback chain
Load balancing
Performance
TTFT: 180ms
Tokens/sec: 45
Batch: up to 32
Context: 32K tokens
Concurrency: 200
RAG integration
User credit profile
Bureau data context
Regulation retrieval
Case precedents
Product catalog
5 Model governance & compliance
Regulatory compliance
ECOA compliant ✓
FCRA compliant ✓
Fair lending ✓
SR 11-7 (model risk)
EU AI Act (high-risk)
Model documentation
Model card (public)
Technical spec (int.)
Training data sheet
Risk assessment
Change log
Bias monitoring
Demographic parity
Equal opportunity
Disparate impact ratio
Protected class audit
Quarterly bias report
Update cadence
Monthly fine-tune
Weekly RAG refresh
Daily safety check
Quarterly full retrain
Annual external audit
Next scheduled retrain: 2 weeks
Model status
Current version
v3.2 (production)
v3.3 (staging)
v4.0 (training)
Consumers
Credit Builder agent
Prael (credit queries)
Score monitoring
Dispute engine
Risk assessment
IP protection
Trade secret (weights)
Patent pending
No external access
Air-gapped training