Question from marketing class.

9. David, Phillips' friend, is also considering borrowing from this platform. Unlike Phillips, David has no credit history on the platform. Both David and Phillips share the same age, education degree, income level, the number of overdue payments (i.e., both have zero overdue payment on the platform), and car ownership. ~ Phillip states that he could apply the regression results in Table 4 to infer David's credit score Since David shares the same age, education degree, income level, the number of overdue payments, and car ownership with him, David will have the same credit score as he has on the platform. Do you agree or disagree with Phillip's statement? Please explain why. (3 points) (Hint: This question asks you whether you agree or disagree with the underlined sentence and why.)~