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0 pointscausal9mo ago0 comments

Hey I see you're quibbling on details, maybe because you feel determined to win an argument to save face or something. I must point out that nobody here cares whether you were wrong, and digging in your heels even after multiple people provided multiple examples just drags the conversation to unproductive places.

As I said in the first reply, there is very little behavior you cannot tie money to in some way, so you can go down this path forever of trying to find a reason why credit scores are totally valid proxies for all human behavior, and you would be technically correct while missing the point entirely.

0 pointscausal9mo ago0 comments

0 comments

4 comments · 2 top-level

hiatus9mo ago· 2 in thread

What's your point? If people will extend you credit for things like an apartment (since there is risk you will stop paying) or for a car, it seems sensible to perform credit checks then. What else are scores used for that don't intersect with someone trusting you with their property?

causalOP9mo ago

Again, missing the point - it is a system that has become a centralized digital scoring mechanism. This is dangerous because it centralizes power, giving institutions that are not even under democratic control the power to punish individuals or groups as they see fit across all sectors of life.

hiatus9mo ago

This is sensational. You said

> Credit scores are used for a lot more than finances.

but you can't provide a concrete example.

> giving institutions that are not even under democratic control

Which institutions? Banks? Landlords? Other people trusting you with their property?

> the power to punish individuals or groups as they see fit across all sectors of life.

Where? How?

2 more replies

0xffff29mo ago

> Hey I see you're quibbling on details, maybe because you feel determined to win an argument to save face or something.

Ha. Pot, meet kettle.

Two out of the three examples given were not "tied to money in some way", they are examples where the creditworthiness of the person is central to the transaction.

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