11 ms·

> I haven't read the whole thread, but I am seeing him bitch about her credit score being higher -- from a single agency. There are other agencies which may hav

by w4 7y ago

> I haven't read the whole thread, but I am seeing him bitch about her credit score being higher -- from a single agency. There are other agencies which may have different info. If you read the thread, he was specifically told the Apple Card uses Transunion, which is why they checked with Transunion, and found her score was higher on that report: https://twitter.com/dhh/status/1192945415538106369?s=21 https://twitter.com/dhh/status/1192945415538106369?s=21

DoreenMichele 7y ago
He was also repeatedly told "It's the algorithm, man! And I have no clue what's in it!" I worked for a Fortune 500 company at one time. Lots of entry level employees were not exactly reliable sources of info about how decisions got made there. You may or may not be talking with an entry level employee in their call center, but you probably aren't talking to a departmental head or member of the C suite.
- heartbreak 7y ago
  Let’s assume that the tweet author is reasonably well-versed in business operations, since he is himself a very successful businessman.
  - DoreenMichele 7y ago
    Sure. Let's assume I am very well versed in other pertinent domains of knowledge, like social psychology and the tendency for people to get mad as hell about social justice issues and leap to ugly conclusions that fit their SJW narrative about evil in the world that can be conveniently lumped under a one word heading, like sexism. Let's further assume that this is actually actively counterproductive, so it's reasonable to point out that correlation is not causation and it's unhelpful to insist on a particular conclusion you cannot prove. I already noted he's right to be outraged at the situation and critical of the black box nature of the decision. I'm just not comfortable with him ranting that it's clearly and obviously due to sexism.
    - kennywinker 7y ago
      There a many people chiming in that they have had the same experience, and nobody saying they had the opposite. If the credit limit difference was unrelated to sex there would be random distribution of couples with the inverse experience. So you sayyyy that he flew off the handle because he's an SJW or whatever, but because his initial assumption continues to be proven correct as more data is accumulated... it seems like you are wrong that it was an overreaction.
      - deleted 7y ago
        [deleted]
      - DoreenMichele 7y ago
        So you sayyyy that he flew off the handle because he's an SJW or whatever, but because his initial assumption continues to be proven correct as more data is accumulated... it seems like you are wrong that it was an overreaction. That's basically a dismissive personal attack. One of the most frustrating and crazy-making aspects of participating on HN as openly female is the frequency with which one must politely endure phenomenal open disrespect from people trying to position themselves as pro women's lib while violating the guidelines here concerning how to engage respectfully with other members. The only thing more crazy making is that there tends to be hell to pay should a woman dare to point it out or otherwise try to defend herself. For me, it is made more bearable by the quiet support of the many people who upvote my comments and posts, flag the worst replies and comment thoughtfully on pieces I submit. Yes, sexism is very much alive and well. I get to experience it on a daily basis. It still does little to no good for powerful men to engage in public white knighting and level accusations they cannot backup. I will note we are reading his tweets on HN, not his wife's. We are discussing the opinions of a powerful man, not a woman. We are reading them largely because he is a powerful man, not because he can back up his assertions. Discussions of this sort are sometimes a case of "two steps forward, one step back." But as a woman participating in them, they all too often feel like a dystopian bit of theater in which men get to claim virtues they don't have and treat a woman badly while loudly proclaiming themselves against this evil thing called sexism.
warhorse10_9 7y ago
The score you get from any of the credit reporting agencies is not necessarily the score that will be used to determine your credit by any lender. That is a representative score based on one metric, I think Transunion is Vantage 3.0, but lenders can use any scoring system they want, the credit report will be the same but the score may be different. It really does show a complete lack of understanding of the credit scoring system on his part, see: https://en.wikipedia.org/wiki/Credit_score_in_the_United_States https://en.wikipedia.org/wiki/Credit_score_in_the_United_Sta...

by w4 7y ago

DoreenMichele 7y ago

He was also repeatedly told "It's the algorithm, man! And I have no clue what's in it!" I worked for a Fortune 500 company at one time. Lots of entry level employees were not exactly reliable sources of info about how decisions got made there. You may or may not be talking with an entry level employee in their call center, but you probably aren't talking to a departmental head or member of the C suite.

heartbreak 7y ago
Let’s assume that the tweet author is reasonably well-versed in business operations, since he is himself a very successful businessman.
- DoreenMichele 7y ago
  Sure. Let's assume I am very well versed in other pertinent domains of knowledge, like social psychology and the tendency for people to get mad as hell about social justice issues and leap to ugly conclusions that fit their SJW narrative about evil in the world that can be conveniently lumped under a one word heading, like sexism. Let's further assume that this is actually actively counterproductive, so it's reasonable to point out that correlation is not causation and it's unhelpful to insist on a particular conclusion you cannot prove. I already noted he's right to be outraged at the situation and critical of the black box nature of the decision. I'm just not comfortable with him ranting that it's clearly and obviously due to sexism.
  - kennywinker 7y ago
    There a many people chiming in that they have had the same experience, and nobody saying they had the opposite. If the credit limit difference was unrelated to sex there would be random distribution of couples with the inverse experience. So you sayyyy that he flew off the handle because he's an SJW or whatever, but because his initial assumption continues to be proven correct as more data is accumulated... it seems like you are wrong that it was an overreaction.
    - deleted 7y ago
      [deleted]
    - DoreenMichele 7y ago
      So you sayyyy that he flew off the handle because he's an SJW or whatever, but because his initial assumption continues to be proven correct as more data is accumulated... it seems like you are wrong that it was an overreaction. That's basically a dismissive personal attack. One of the most frustrating and crazy-making aspects of participating on HN as openly female is the frequency with which one must politely endure phenomenal open disrespect from people trying to position themselves as pro women's lib while violating the guidelines here concerning how to engage respectfully with other members. The only thing more crazy making is that there tends to be hell to pay should a woman dare to point it out or otherwise try to defend herself. For me, it is made more bearable by the quiet support of the many people who upvote my comments and posts, flag the worst replies and comment thoughtfully on pieces I submit. Yes, sexism is very much alive and well. I get to experience it on a daily basis. It still does little to no good for powerful men to engage in public white knighting and level accusations they cannot backup. I will note we are reading his tweets on HN, not his wife's. We are discussing the opinions of a powerful man, not a woman. We are reading them largely because he is a powerful man, not because he can back up his assertions. Discussions of this sort are sometimes a case of "two steps forward, one step back." But as a woman participating in them, they all too often feel like a dystopian bit of theater in which men get to claim virtues they don't have and treat a woman badly while loudly proclaiming themselves against this evil thing called sexism.

warhorse10_9 7y ago

The score you get from any of the credit reporting agencies is not necessarily the score that will be used to determine your credit by any lender. That is a representative score based on one metric, I think Transunion is Vantage 3.0, but lenders can use any scoring system they want, the credit report will be the same but the score may be different. It really does show a complete lack of understanding of the credit scoring system on his part, see: https://en.wikipedia.org/wiki/Credit_score_in_the_United_States https://en.wikipedia.org/wiki/Credit_score_in_the_United_Sta...