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- cross-posted to:
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As opposed to being denied a loan in the 70s if your husband isn’t there or refusing to lend to Black customers
Yea now you can only be lent money if you don’t need it. Great system! Don’t worry though if you are black or divorced from the primary household earner and you need money, you still wont’ get it.
They created the worst system they could think of to fix it
There’s more than two options
The way the score is calculated is hidden from the public
I mean…technically, I guess, the specific parameters are hidden? But the meaningful actions - the ways in which you can improve your score - are extremely clearly advertized.
Don’t get me wrong, I’m not exactly a passionate advocate for the system - but it’s nowhere near as obfuscated as people claim. And if you accept the premise that there needs to be some algorithmic way to evaluate someone’s creditworthiness, “their past reliability in repaying debts” is a pretty reasonable choice.
the ways in which you can improve your score - are extremely clearly advertized.
They are for the “credit score” they give you. There’s dozens of different credit scores that different lenders pull though. Ones that are specifically curated for their needs and that you’ll never see.
I think I understand where Overwatch took inspiration for the current ranking system
China?
arbitrarily take on debt
If you count paying off a credit card, or paying a phone bill every month “arbitrarily debt” then you’re pretty stupid.
(social) credit score
Same bullshit everywhere. Stop ranking people.
It is a pretty weird system
