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> Ask for references, have a coffee shop conversation. You understand that this is basically the service that the credit bureaus perform? Each creditor is a
by bpt3 6y ago
> Ask for references, have a coffee shop conversation.
You understand that this is basically the service that the credit bureaus perform? Each creditor is a reference for the debtor, in a centralized location that is easy to access so people who are interested in determining the likelihood of repayment can quickly collect relevant references.
Please don't take this as some sort of endorsement of the behavior of the specific credit bureaus we have today, but I don't see the same massive distinction between your vetting method and running a credit/background check on an individual, other than yours being much less likely to produce an accurate assessment.
- Pfhreak 6y agoI think perhaps you misunderstand my position. I'm not interested in an accurate assessment, and I certainly don't want to hear from someone's creditors. Creditors don't tell me what it's like to live with someone. You can be deeply bad at managing money but a fantastically respectful and considerate tenant. The credit bureaus tell me nothing about the human except for some financial details that honestly shouldn't be any of my business anyways.
- bpt3 6y agoIf you aren't interested in an accurate assessment, what is the point of your assessment process? Many industries have found that creditworthiness is a good proxy for general responsibility, moreso than your "gut feel" I strongly suspect. Your position is that somehow your seemingly arbitrary (and intentionally inaccurate?) assessment process is morally superior to those who actually want to obtain an accurate assessment of an individuals likelihood to honor the terms of the contract they are both entering into.
- Pfhreak 6y agoYou and I are talking past one another, and I suspect we are unlikely to come to any sort of satisfying agreement. I believe, fundamentally, a landlord who makes a profit is immoral. Therefore, I'm not interested in understanding someone's financial responsibility. I believe financial responsibility is not an adequate proxy for general responsibility for the reasons I've stated above (criminal backgrounds, poverty, lack of education, etc) that shouldn't be barriers to getting housing. My guess is that if we are unable to agree on credit checks as unnecessarily invasive, then I really don't think we'll come to a reasonable stopping point for "landlords are fundamentally an immoral enterprise". If you'd like to have the last word in the thread, by all means.
- bpt3 6y agoI don't think we're talking past each other; I think you have some very strange definitions of commonly used words and terms or you're just being intellectually dishonest. On the off chance you actually respond to this: > I believe, fundamentally, a landlord who makes a profit is immoral. Therefore, I'm not interested in understanding someone's financial responsibility. Are you not charging your tenants to occupy a portion of your home? If you are, you're profiting. If you aren't, everything else you said in this thread is misleading at best. > I believe financial responsibility is not an adequate proxy for general responsibility for the reasons I've stated above (criminal backgrounds, poverty, lack of education, etc) that shouldn't be barriers to getting housing. The entire risk management industry disagrees with you. I'll go with them over your half-baked beliefs. > My guess is that if we are unable to agree on credit checks as unnecessarily invasive, then I really don't think we'll come to a reasonable stopping point for "landlords are fundamentally an immoral enterprise". Something we agree on! > If you'd like to have the last word in the thread, by all means. Thanks for exposing me to a new level of cognitive dissonance, where a landlord claims that landlords are immoral and should not exist.