3 ms·
Do you not see any parallels between the two? FICO scores are borderline discriminatory because it turns out that social behaviors and group membership is corr
by edmundsauto 8y ago
Do you not see any parallels between the two? FICO scores are borderline discriminatory because it turns out that social behaviors and group membership is correlated with those scores.
FICO doesn't "care" if you're Muslim or black, but FICO scores can be absolutely used to discriminate against those groups.
- godelski 8y agoThis is a fair argument. But there were other factors in my argument. That social credit scores are used to determine more than "can you pay back your credit?" It isn't hard to argue that FICO can be abused. But what's being argued here is that we don't need, nor want, a system that is more imposing than FICO. One that affects much more of your life, such as "can I use an airplane?"
- mdorazio 8y agoFICO can be and is used to discriminate in job applications. You also seem to be missing the point that debt financing is a huge part of the ability to live a standard American life, much more so than in a country like China. For example, if you can't buy a car, there are many places in America where you simply won't be able to get around. This social-financial reliance system makes credit scores in America a lot closer to a social credit system than you seem to think. If a score prevents you from using transportation (a needed car), living in decent housing, and getting a decent job, I'd say that score is pretty tightly tied to your social well-being.
- godelski 8y agoYou realize I'm trying to distinguish a "social credit system" from a "credit system", right? I will agree that there's problems with a credit system. No argument there. But I'm (we're?) arguing that these problems are exacerbated when adding the social element.