AI-Based Credit Scoring System

This paper presents an AI-based Credit Score System that evaluates the creditworthiness of individuals and businesses using PAN-based validation, verified credit bureau data, and machine learning. The system ensures strict data integrity by generating credit scores only when all required financialandbureauinformationispresent,preventingdummy orhardcodedvalues.Thefrontend,builtwithReact,providesa secureanduser-friendlyinterface,whilethebackend,developed using Python with Flask or Django, manages