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I know the point you're trying to make, and I'd say more to that point: we already recognize that you can't sign a contract that strips you of some basic human
by Frondo 9y ago
I know the point you're trying to make, and I'd say more to that point: we already recognize that you can't sign a contract that strips you of some basic human rights. You can't sign a contract that enslaves you, etc.
With the amount of power these organizations and this information has over each of us, individually, I'd go so far as to say there is a human rights issue at stake. People's lives get fucked up through credit bureau mistakes, and what consequence is there for those bureaux?
Pointing to a subclause in a contract to say "well, here's where you let them potentially fuck up your life with no recourse, and everything is legal" suggests to me that our thinking around the power these agencies, and around ownership of information about our lives, have needs revisiting.
- gglitch 9y agoNot to mention that the terms in the contract do not cover all retention and usage policies of the data. The terms are vague.
- yebyen 9y agoI hope that we can start having that conversation! Right now it seems unlikely. It would not be so controversial if I claimed that Amazon grants customers a revokable license to audio and video content hosted on Prime, but my social security number and credit history evidently is not afforded as much protection under the law.
- Consultant32452 9y agoWhat's really at stake here? Your ability to take on debt, which primarily benefits the banks. The bigger problem I think we have here is the cavalier nature in which people view debt. Debt is bad for you. Rather than bringing going into debt under the umbrella of "basic human rights" how about a cultural shift away from debt altogether?
- yebyen 9y agoNow if we could just do something about those housing prices, that might even be possible. (What percent of homeowners do you suppose bought their homes without taking on some debt?) Paying rent is also bad for you.
- Consultant32452 9y agoGetting a home loan is relatively easier, because plenty of banks still do manual underwriting for things the size of mortgages. And if we had a culture that avoided unsecured debt, car debt, etc. then more banks would have to perform manual underwriting because no one would have a credit score. Instead they would have something better: money.