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Note that back in November, @DHH from Basecamp had strong words about the Apple Card with regards to sexism. I know there's active investigations going on with

Note that back in November, @DHH from Basecamp had strong words about the Apple Card with regards to sexism. I know there's active investigations going on with it, but I know of no results. Then again, it's just been 1 month, which is pretty much 'yesterday' in bank time. https://twitter.com/dhh/status/1192540900393705474 https://twitter.com/dhh/status/1192540900393705474

kstrauser 7y ago
I have no opinions about DHH in general, but he's just wrong here. He tweets: > Hilarious how much mansplaining is flowing in this thread. Every single poster questioning my wife’s credit score, a man. Every single defense of Apple blaming GS, a man. Almost like men are over represented in the defense/justification of discrimination that doesn’t affect them? which immediately costs him all credibility in this specific case. Factually, it is GS making the decision. It's Apple's problem to address because they're contracting to GS, but it was GS's algorithms (oh no, he calls that out too!) that rendered the credit decision. And he glosses over that credit score pretty issue quickly, which is kind of sexist and bullshitty in itself. Without saying whether her score is decent, he says she should get the same credit he does because she's married to him, as though her creditworthiness derives from their relationship. What the...? Does the have income of her own? A credit history of her own? If DHH isn't co-signing, his existence even involved in the decision. There are plenty of things to protest in the credit score game. You can fairly criticize it in many, many ways. But I saw nothing in his complaint that was unique to Apple or GS, and DHH's complaint seems to come down a non sequitur complaint against Apple and GS for their use of industry-standard credit ratings. Edit: he does say her credit score was higher than his. My bad. He still doesn't mention their relative income.
- ceejayoz 7y ago
  > He still doesn't mention their relative income. Because it doesn't matter. As of 2013, you enter combined household income on a credit application, and your income isn't part of your credit score either.
  - benjohnson 7y ago
    >>income isn't part of your credit score either True. However, income and current debt is used to in figuring out how much credit is extended.
- jellicle 7y ago
  The allegations (made by quite a few people, not just one) were that Apple was turning down/giving worse terms to women that had better income/credit scores than their husbands.
- pkaye 7y ago
  A 2013 federal law allows one to include any income to which they have a reasonable expectation of access including income from spouse, partner or other member of household. I seem to recall that he mentioned his wife doesn't work so she stated her income at $0 instead of the household income.
  - panarky 7y ago
    Source for this?
    - pkaye 7y ago
      https://www.consumerfinance.gov/about-us/newsroom/the-cfpb-amends-card-act-rule-to-make-it-easier-for-stay-at-home-spouses-and-partners-to-get-credit-cards/ https://www.consumerfinance.gov/about-us/newsroom/the-cfpb-a...
      - panarky 7y ago
        Where does DHH say his wife reported $0 income on her application for the Apple Card?
- deleted 7y ago
  [deleted]
freehunter 7y ago
This seems pretty off-topic considering it's just rumors and hearsay at this point and the topic isn't about who can get an Apple Card.

kstrauser 7y ago

I have no opinions about DHH in general, but he's just wrong here. He tweets: > Hilarious how much mansplaining is flowing in this thread. Every single poster questioning my wife’s credit score, a man. Every single defense of Apple blaming GS, a man. Almost like men are over represented in the defense/justification of discrimination that doesn’t affect them? which immediately costs him all credibility in this specific case. Factually, it is GS making the decision. It's Apple's problem to address because they're contracting to GS, but it was GS's algorithms (oh no, he calls that out too!) that rendered the credit decision. And he glosses over that credit score pretty issue quickly, which is kind of sexist and bullshitty in itself. Without saying whether her score is decent, he says she should get the same credit he does because she's married to him, as though her creditworthiness derives from their relationship. What the...? Does the have income of her own? A credit history of her own? If DHH isn't co-signing, his existence even involved in the decision. There are plenty of things to protest in the credit score game. You can fairly criticize it in many, many ways. But I saw nothing in his complaint that was unique to Apple or GS, and DHH's complaint seems to come down a non sequitur complaint against Apple and GS for their use of industry-standard credit ratings. Edit: he does say her credit score was higher than his. My bad. He still doesn't mention their relative income.

ceejayoz 7y ago
> He still doesn't mention their relative income. Because it doesn't matter. As of 2013, you enter combined household income on a credit application, and your income isn't part of your credit score either.
- benjohnson 7y ago
  >>income isn't part of your credit score either True. However, income and current debt is used to in figuring out how much credit is extended.
jellicle 7y ago
The allegations (made by quite a few people, not just one) were that Apple was turning down/giving worse terms to women that had better income/credit scores than their husbands.
pkaye 7y ago
A 2013 federal law allows one to include any income to which they have a reasonable expectation of access including income from spouse, partner or other member of household. I seem to recall that he mentioned his wife doesn't work so she stated her income at $0 instead of the household income.
- panarky 7y ago
  Source for this?
  - pkaye 7y ago
    https://www.consumerfinance.gov/about-us/newsroom/the-cfpb-amends-card-act-rule-to-make-it-easier-for-stay-at-home-spouses-and-partners-to-get-credit-cards/ https://www.consumerfinance.gov/about-us/newsroom/the-cfpb-a...
    - panarky 7y ago
      Where does DHH say his wife reported $0 income on her application for the Apple Card?
deleted 7y ago
[deleted]

freehunter 7y ago

This seems pretty off-topic considering it's just rumors and hearsay at this point and the topic isn't about who can get an Apple Card.