{"bundle_type":"pith_open_graph_bundle","bundle_version":"1.0","pith_number":"pith:2026:X6SQFGCIGV7XDKEOGUZ3BRO3AT","short_pith_number":"pith:X6SQFGCI","canonical_record":{"source":{"id":"2606.18479","kind":"arxiv","version":1},"metadata":{"license":"http://creativecommons.org/licenses/by-nc-sa/4.0/","primary_cat":"cs.LG","submitted_at":"2026-06-16T20:43:43Z","cross_cats_sorted":["cs.CY"],"title_canon_sha256":"16e1e9e2a1734024da693ee0ef0c594a62df02e79eb67d89fb6969994c96bf28","abstract_canon_sha256":"2e6474011f2255fe2329939091b32b057d63c9c64c028901e6d4148869eb1324"},"schema_version":"1.0"},"canonical_sha256":"bfa5029848357f71a88e3533b0c5db04e7f4a492c59de859b9af439117c6acdb","source":{"kind":"arxiv","id":"2606.18479","version":1},"source_aliases":[{"alias_kind":"arxiv","alias_value":"2606.18479","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"arxiv_version","alias_value":"2606.18479v1","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"doi","alias_value":"10.48550/arxiv.2606.18479","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"pith_short_12","alias_value":"X6SQFGCIGV7X","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"pith_short_16","alias_value":"X6SQFGCIGV7XDKEO","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"pith_short_8","alias_value":"X6SQFGCI","created_at":"2026-06-19T16:11:02Z"}],"events":[{"event_type":"record_created","subject_pith_number":"pith:2026:X6SQFGCIGV7XDKEOGUZ3BRO3AT","target":"record","payload":{"canonical_record":{"source":{"id":"2606.18479","kind":"arxiv","version":1},"metadata":{"license":"http://creativecommons.org/licenses/by-nc-sa/4.0/","primary_cat":"cs.LG","submitted_at":"2026-06-16T20:43:43Z","cross_cats_sorted":["cs.CY"],"title_canon_sha256":"16e1e9e2a1734024da693ee0ef0c594a62df02e79eb67d89fb6969994c96bf28","abstract_canon_sha256":"2e6474011f2255fe2329939091b32b057d63c9c64c028901e6d4148869eb1324"},"schema_version":"1.0"},"canonical_sha256":"bfa5029848357f71a88e3533b0c5db04e7f4a492c59de859b9af439117c6acdb","receipt":{"kind":"pith_receipt","key_id":"pith-v1-2026-05","algorithm":"ed25519","signed_at":"2026-06-19T16:11:02.153534Z","signature_b64":"UfZ01vrbSrF3Y0W9wdoJ5A8HXSfZ3bjin0UTreLCfyBFYz8OVBM1ZDXFJ+9vsudHXq7/H3j5sQGIxV+lTrMZBw==","signed_message":"canonical_sha256_bytes","builder_version":"pith-number-builder-2026-05-17-v1","receipt_version":"0.3","canonical_sha256":"bfa5029848357f71a88e3533b0c5db04e7f4a492c59de859b9af439117c6acdb","last_reissued_at":"2026-06-19T16:11:02.153187Z","signature_status":"signed_v1","first_computed_at":"2026-06-19T16:11:02.153187Z","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54"},"source_kind":"arxiv","source_id":"2606.18479","source_version":1,"attestation_state":"computed"},"signer":{"signer_id":"pith.science","signer_type":"pith_registry","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54"},"created_at":"2026-06-19T16:11:02Z","supersedes":[],"prev_event":null,"signature":{"signature_status":"signed_v1","algorithm":"ed25519","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signature_b64":"rnF5sYBbeFwW6T0/i090KOERq93sfz9yE4dbvXtOzDOxCYitwlzjfrfo0jyJ1tmMnuXalU05zfK2jeLgaf4hCw==","signed_message":"open_graph_event_sha256_bytes","signed_at":"2026-06-24T14:40:13.321810Z"},"content_sha256":"3dce17a5338e29b7833eaddabafd9221de92157b21a914018e8e7b3b287c67d2","schema_version":"1.0","event_id":"sha256:3dce17a5338e29b7833eaddabafd9221de92157b21a914018e8e7b3b287c67d2"},{"event_type":"graph_snapshot","subject_pith_number":"pith:2026:X6SQFGCIGV7XDKEOGUZ3BRO3AT","target":"graph","payload":{"graph_snapshot":{"paper":{"title":"The Illusion of Improvement: Reject Inference Strategies in Credit Scoring","license":"http://creativecommons.org/licenses/by-nc-sa/4.0/","headline":"","cross_cats":["cs.CY"],"primary_cat":"cs.LG","authors_text":"Bruno Scarone, Ricardo Baeza-Yates","submitted_at":"2026-06-16T20:43:43Z","abstract_excerpt":"Reject inference methods are widely used to mitigate survival bias in credit scoring, yet their effectiveness remains poorly understood. We systematically evaluate several such methods and uncover a structural failure mode: in a natural retraining cycle, models whose accuracy improves while recall collapses create an illusion of improvement that leads practitioners to believe the system is getting better when, in fact, its rejection quality -- the ability to correctly screen out defaulters -- is deteriorating. We then propose a controlled exploration strategy that breaks the feedback loop with"},"claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"2606.18479","kind":"arxiv","version":1},"verdict":{"id":null,"model_set":{},"created_at":null,"strongest_claim":"","one_line_summary":"","pipeline_version":null,"weakest_assumption":"","pith_extraction_headline":""},"integrity":{"clean":true,"summary":{"advisory":0,"critical":0,"by_detector":{},"informational":0},"endpoint":"/pith/2606.18479/integrity.json","findings":[],"available":true,"detectors_run":[],"snapshot_sha256":"c28c3603d3b5d939e8dc4c7e95fa8dfce3d595e45f758748cecf8e644a296938"},"references":{"count":0,"sample":[],"resolved_work":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","internal_anchors":0},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"author_claims":{"count":0,"strong_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"builder_version":"pith-number-builder-2026-05-17-v1"},"verdict_id":null},"signer":{"signer_id":"pith.science","signer_type":"pith_registry","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54"},"created_at":"2026-06-19T16:11:02Z","supersedes":[],"prev_event":null,"signature":{"signature_status":"signed_v1","algorithm":"ed25519","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signature_b64":"QeuUOF+6Wq77P2fMkENRIvT10jsIHG1I8yti3fzKBhAMANmvxnxHeJA5FrHyB93Nl2JcN4ErEE8hP7pZeTE7CA==","signed_message":"open_graph_event_sha256_bytes","signed_at":"2026-06-24T14:40:13.322196Z"},"content_sha256":"66464ee4976aa6df7caede5a189d10592d12b808524d620d289ec29a7dc27a89","schema_version":"1.0","event_id":"sha256:66464ee4976aa6df7caede5a189d10592d12b808524d620d289ec29a7dc27a89"}],"timestamp_proofs":[],"mirror_hints":[{"mirror_type":"https","name":"Pith Resolver","base_url":"https://pith.science","bundle_url":"https://pith.science/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT/bundle.json","state_url":"https://pith.science/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT/state.json","well_known_bundle_url":"https://pith.science/.well-known/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT/bundle.json","status":"primary"}],"public_keys":[{"key_id":"pith-v1-2026-05","algorithm":"ed25519","format":"raw","public_key_b64":"stVStoiQhXFxp4s2pdzPNoqVNBMojDU/fJ2db5S3CbM=","public_key_hex":"b2d552b68890857171a78b36a5dccf368a953413288c353f7c9d9d6f94b709b3","fingerprint_sha256_b32_first128bits":"RVFV5Z2OI2J3ZUO7ERDEBCYNKS","fingerprint_sha256_hex":"8d4b5ee74e4693bcd1df2446408b0d54","rotates_at":null,"url":"https://pith.science/pith-signing-key.json","notes":"Pith uses this Ed25519 key to sign canonical record SHA-256 digests. Verify with: ed25519_verify(public_key, message=canonical_sha256_bytes, signature=base64decode(signature_b64))."}],"merge_version":"pith-open-graph-merge-v1","built_at":"2026-06-24T14:40:13Z","links":{"resolver":"https://pith.science/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT","bundle":"https://pith.science/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT/bundle.json","state":"https://pith.science/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT/state.json","well_known_bundle":"https://pith.science/.well-known/pith/X6SQFGCIGV7XDKEOGUZ3BRO3AT/bundle.json"},"state":{"state_type":"pith_open_graph_state","state_version":"1.0","pith_number":"pith:2026:X6SQFGCIGV7XDKEOGUZ3BRO3AT","merge_version":"pith-open-graph-merge-v1","event_count":2,"valid_event_count":2,"invalid_event_count":0,"equivocation_count":0,"current":{"canonical_record":{"metadata":{"abstract_canon_sha256":"2e6474011f2255fe2329939091b32b057d63c9c64c028901e6d4148869eb1324","cross_cats_sorted":["cs.CY"],"license":"http://creativecommons.org/licenses/by-nc-sa/4.0/","primary_cat":"cs.LG","submitted_at":"2026-06-16T20:43:43Z","title_canon_sha256":"16e1e9e2a1734024da693ee0ef0c594a62df02e79eb67d89fb6969994c96bf28"},"schema_version":"1.0","source":{"id":"2606.18479","kind":"arxiv","version":1}},"source_aliases":[{"alias_kind":"arxiv","alias_value":"2606.18479","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"arxiv_version","alias_value":"2606.18479v1","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"doi","alias_value":"10.48550/arxiv.2606.18479","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"pith_short_12","alias_value":"X6SQFGCIGV7X","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"pith_short_16","alias_value":"X6SQFGCIGV7XDKEO","created_at":"2026-06-19T16:11:02Z"},{"alias_kind":"pith_short_8","alias_value":"X6SQFGCI","created_at":"2026-06-19T16:11:02Z"}],"graph_snapshots":[{"event_id":"sha256:66464ee4976aa6df7caede5a189d10592d12b808524d620d289ec29a7dc27a89","target":"graph","created_at":"2026-06-19T16:11:02Z","signer":{"key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signer_id":"pith.science","signer_type":"pith_registry"},"payload":{"graph_snapshot":{"author_claims":{"count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","strong_count":0},"builder_version":"pith-number-builder-2026-05-17-v1","claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"integrity":{"available":true,"clean":true,"detectors_run":[],"endpoint":"/pith/2606.18479/integrity.json","findings":[],"snapshot_sha256":"c28c3603d3b5d939e8dc4c7e95fa8dfce3d595e45f758748cecf8e644a296938","summary":{"advisory":0,"by_detector":{},"critical":0,"informational":0}},"paper":{"abstract_excerpt":"Reject inference methods are widely used to mitigate survival bias in credit scoring, yet their effectiveness remains poorly understood. We systematically evaluate several such methods and uncover a structural failure mode: in a natural retraining cycle, models whose accuracy improves while recall collapses create an illusion of improvement that leads practitioners to believe the system is getting better when, in fact, its rejection quality -- the ability to correctly screen out defaulters -- is deteriorating. We then propose a controlled exploration strategy that breaks the feedback loop with","authors_text":"Bruno Scarone, Ricardo Baeza-Yates","cross_cats":["cs.CY"],"headline":"","license":"http://creativecommons.org/licenses/by-nc-sa/4.0/","primary_cat":"cs.LG","submitted_at":"2026-06-16T20:43:43Z","title":"The Illusion of Improvement: Reject Inference Strategies in Credit Scoring"},"references":{"count":0,"internal_anchors":0,"resolved_work":0,"sample":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"2606.18479","kind":"arxiv","version":1},"verdict":{"created_at":null,"id":null,"model_set":{},"one_line_summary":"","pipeline_version":null,"pith_extraction_headline":"","strongest_claim":"","weakest_assumption":""}},"verdict_id":null}}],"author_attestations":[],"timestamp_anchors":[],"storage_attestations":[],"citation_signatures":[],"replication_records":[],"corrections":[],"mirror_hints":[],"record_created":{"event_id":"sha256:3dce17a5338e29b7833eaddabafd9221de92157b21a914018e8e7b3b287c67d2","target":"record","created_at":"2026-06-19T16:11:02Z","signer":{"key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signer_id":"pith.science","signer_type":"pith_registry"},"payload":{"attestation_state":"computed","canonical_record":{"metadata":{"abstract_canon_sha256":"2e6474011f2255fe2329939091b32b057d63c9c64c028901e6d4148869eb1324","cross_cats_sorted":["cs.CY"],"license":"http://creativecommons.org/licenses/by-nc-sa/4.0/","primary_cat":"cs.LG","submitted_at":"2026-06-16T20:43:43Z","title_canon_sha256":"16e1e9e2a1734024da693ee0ef0c594a62df02e79eb67d89fb6969994c96bf28"},"schema_version":"1.0","source":{"id":"2606.18479","kind":"arxiv","version":1}},"canonical_sha256":"bfa5029848357f71a88e3533b0c5db04e7f4a492c59de859b9af439117c6acdb","receipt":{"algorithm":"ed25519","builder_version":"pith-number-builder-2026-05-17-v1","canonical_sha256":"bfa5029848357f71a88e3533b0c5db04e7f4a492c59de859b9af439117c6acdb","first_computed_at":"2026-06-19T16:11:02.153187Z","key_id":"pith-v1-2026-05","kind":"pith_receipt","last_reissued_at":"2026-06-19T16:11:02.153187Z","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","receipt_version":"0.3","signature_b64":"UfZ01vrbSrF3Y0W9wdoJ5A8HXSfZ3bjin0UTreLCfyBFYz8OVBM1ZDXFJ+9vsudHXq7/H3j5sQGIxV+lTrMZBw==","signature_status":"signed_v1","signed_at":"2026-06-19T16:11:02.153534Z","signed_message":"canonical_sha256_bytes"},"source_id":"2606.18479","source_kind":"arxiv","source_version":1}}},"equivocations":[],"invalid_events":[],"applied_event_ids":["sha256:3dce17a5338e29b7833eaddabafd9221de92157b21a914018e8e7b3b287c67d2","sha256:66464ee4976aa6df7caede5a189d10592d12b808524d620d289ec29a7dc27a89"],"state_sha256":"d487c388cb1c3d3ddd113a74a98971ad29a75eaa7bb05414622c93aeee443c7d"},"bundle_signature":{"signature_status":"signed_v1","algorithm":"ed25519","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signature_b64":"lr7MRsEHGG15BWU4xuhczC8l9b0p05u+bQ95RgfQQHO862mw6/YpHjVE4BJ3hdN+xt54IAWgMu5RCY1joa8ZBg==","signed_message":"bundle_sha256_bytes","signed_at":"2026-06-24T14:40:13.324250Z","bundle_sha256":"bb705499ae51c8988baa01db8beed5ddf344d39d5ebb7470adba3d9d89cb6b0f"}}