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No no, what I mean, and is AFAIK visible in the data, is that the poor/low credit people are disproportionately black. So even if the AI/statistics ignore race
by tomp 8y ago
No no, what I mean, and is AFAIK visible in the data, is that the poor/low credit people are disproportionately black. So even if the AI/statistics ignore race (as they should), the result will be that blacks have lower credit scores (on average, because they poorer).
- joshuamorton 8y agoI don't think we're disagreeing. That part is to be expected, the important thing is that you don't then recorrelate, either explicity or implicitly, race with the lower credit scores, that can essentially double count race (via income and then via the second check) and that's what you want to avoid.
- tomp 8y agoOk yeah then we agree. You definitely shouldn’t feed “irrelevant” features to the AI (i.e. those you don’t want it to discriminate/regress upon) otherwise it will overfit, in the best case to the noise, in the worst to the bias.