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I don't consider arbitrary systems practical. I don't define myself by what Equifax thinks of me, and neither should a bank. Unless a proper, accountable, civil

I don't consider arbitrary systems practical. I don't define myself by what Equifax thinks of me, and neither should a bank. Unless a proper, accountable, civil system exists, call it for what it is: Bullshit.

tptacek 8y ago
I guess I can just accept that we're using different definitions of some of these words.
harryh 8y ago
Arbitrary again. To quote Inigo Montoya, you keep using that word. I do not think it means what you think it means.
- spaceribs 8y ago
  It is arbitrary, why do you think it isn't?
  - harryh 8y ago
    Arbitrary means "based on random choice or personal whim, rather than any reason or system." Whatever problems you have with credit scores, they are robust predictors of people's likelihood of paying back loans.
    - ithkuil 8y ago
      Something can be accurate statistically but still be quite bad for those individuals for which it isn't.
      - tptacek 8y ago
        Perhaps, but that thing will not be arbitrary.