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> * People whose legs work can use the toilets here. In a wheelchair? Good luck finding somewhere else. So you're saying a business discriminating based on cre

> * People whose legs work can use the toilets here. In a wheelchair? Good luck finding somewhere else. So you're saying a business discriminating based on credit rating is equivalent to discriminating against the disabled?

ColinWright 13y ago
I think he's saying that businesses discriminating based on incorrect credit ratings when in fact the person is demonstrably credit-worthy, and it's the business who is at fault for not checking correctly, and not providing an alternative route to getting things checked, is somewhat analogous to discriminating against the disabled. In each case it's not the customer's fault, and the customer should not be discriminated against. It's not an equivalence, it's an analogy. In each case the business is denying service for a reason that is not the customer's fault. There is an analogy to be drawn, even though it's not an equivalence.
- deleted 13y ago
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- PaulHoule 13y ago
  I think here it's not a matter of "credit worthy", it is a matter of, "does this person exist?"
  - ColinWright 13y ago
    I'm pretty sure Square knows he exists, especially given that they allow him to accept cash payments. The title is (possibly justified) hyperbole. They know he exists, they just choose to ignore him having decided he's a bad risk for some of their services.
  - kevinchen 13y ago
    @ColinWright - From what I understand, Square's verification exists to make sure the person signing up is who they say they are. So if I find someone's social security card on the ground, or guess the SSN (not that hard in some cases), I can't sign up for Square pretending to be that person. I don't think they are running credit checks. Their provider simply scrapes credit reports as an additional source for questions ("Which of these banks do you have an account at?" or "What's the street number of your first mortgage?")
    - ColinWright 13y ago
      We're using the same terms in slightly different ways. You're talking about acknowledging that someone really is who they are, but being unwilling to extend them credit. I'm talking about not being willing to extend credit to the entity in question, whether they are who they say they are or not. It's a genuine distinction, but perhaps it doesn't really matter. Perhaps it does, but regardless, we're not really disagreeing. Square is refusing to provide access to the individual because they claim it is risky to do so. They're saying it's because they can't confirm his identity, but it's still a refusal to extend "credit" to an "individual."

ColinWright 13y ago

I think he's saying that businesses discriminating based on incorrect credit ratings when in fact the person is demonstrably credit-worthy, and it's the business who is at fault for not checking correctly, and not providing an alternative route to getting things checked, is somewhat analogous to discriminating against the disabled. In each case it's not the customer's fault, and the customer should not be discriminated against. It's not an equivalence, it's an analogy. In each case the business is denying service for a reason that is not the customer's fault. There is an analogy to be drawn, even though it's not an equivalence.

deleted 13y ago
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PaulHoule 13y ago
I think here it's not a matter of "credit worthy", it is a matter of, "does this person exist?"
- ColinWright 13y ago
  I'm pretty sure Square knows he exists, especially given that they allow him to accept cash payments. The title is (possibly justified) hyperbole. They know he exists, they just choose to ignore him having decided he's a bad risk for some of their services.
- kevinchen 13y ago
  @ColinWright - From what I understand, Square's verification exists to make sure the person signing up is who they say they are. So if I find someone's social security card on the ground, or guess the SSN (not that hard in some cases), I can't sign up for Square pretending to be that person. I don't think they are running credit checks. Their provider simply scrapes credit reports as an additional source for questions ("Which of these banks do you have an account at?" or "What's the street number of your first mortgage?")
  - ColinWright 13y ago
    We're using the same terms in slightly different ways. You're talking about acknowledging that someone really is who they are, but being unwilling to extend them credit. I'm talking about not being willing to extend credit to the entity in question, whether they are who they say they are or not. It's a genuine distinction, but perhaps it doesn't really matter. Perhaps it does, but regardless, we're not really disagreeing. Square is refusing to provide access to the individual because they claim it is risky to do so. They're saying it's because they can't confirm his identity, but it's still a refusal to extend "credit" to an "individual."