oldoverholt

16 ms·

1.
by oldoverholt 8y ago
The formula for calculating FICO credit scores isn't public, the processes for correcting errors on credit reports are not responsive, and lenders use questionable algorithms that affect things like your credit limit. https:/&#x2
2.
by oldoverholt 8y ago
Virtually every state lets landlords evict you for no reason at all.
3.
by oldoverholt 8y ago
I’m not sure who “we” is or what varieties of “whataboutism” “we’ve” universally decried, so I don’t know how to reply to this.
4.
by oldoverholt 8y ago
I don’t know enough about the social credit stuff to refute your characterization of it, but a financial credit score very much follows you even if you somehow end up with more money. Point is, a credit score often closes avenues by which y
5.
by oldoverholt 8y ago
It’s not direct, but the result can be the same (and it’s not just about being poor, it’s about a low credit score meaning you get shitty loan terms or a landlord isn’t willing to rent to you). I won’t defend the social credit system, but I
6.
by oldoverholt 8y ago
A low credit score might mean you can’t rent more desirable apartments or buy more expensive homes that are well-served by public transit, so yes, it could prevent you from using public transit if you can’t live somewhere where it’s a feasi
7.
by oldoverholt 8y ago
Credit score absolutely affects what neighborhoods you can buy or rent in (so public schools) and whether you can afford private school. It’s obviously not a 1:1 comparison or “this one is better than the other,” but when like Bill Kristol
8.
by oldoverholt 8y ago
It's strange to me that the social credit system in China seems to rarely be discussed alongside credit scores in the United States, an already existing, massively opaque, punitive system that keeps people in cycles of debt and poverty
9.
by oldoverholt 8y ago
Just gonna drop this here, re: the availability of abortion services: https://www.guttmacher.org/fact-sheet/state-facts-about-abor...
10.
by oldoverholt 9y ago
I still think the ideal search experience was the era when Yahoo! would search the Yahoo! Directory by default, and allowed you to switch over to "Web" results that were actually Google search results. It was a cool way to have a
11.
by oldoverholt 9y ago
Lumping leftist politics under postmodernism is kind of a stretch, and the characterization of leftist politics here is like what you get when you learn about it from David Brooks columns. There is a leftist politics out there that values o
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by oldoverholt 9y ago
The OpenBSD re_format man page is a quick read and super clear and helpful: https://man.openbsd.org/re_format