3 ms·
Except for 1) according to him, the bureau they were using for underwriting data indicated she had higher credit score 2) "conditioning on credit score which
by kyrieeschaton 7y ago
Except for
1) according to him, the bureau they were using for underwriting data indicated she had higher credit score
2) "conditioning on credit score which is correlated with gender" is not conditioning on gender. The algorithms that derive credit score from a set of credit data do not condition on gender.
- burnte 7y ago> 2) "conditioning on credit score which is correlated with gender" is not conditioning on gender. The algorithms that derive credit score from a set of credit data do not condition on gender. It does if the algorithm is based on flawed assumptions, or worse, fed data based on institutionalized sexism.
- kyrieeschaton 7y agoI dare you to claim Goldman is using gender as an input variable for credit underwriting. Since no one is actually doing this, we're back to something like "maybe (altho there's no evidence for this either) people indistinguishable from Mrs. DHH actually do look more likely to default, which is society's fault and thus Goldman should just take the hit".