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Deleted member 17092

User requested account closure
Banned
Oct 27, 2017
20,360
The China social credit thread got me thinking on this, and it is a subject I think about quite a bit. I have a gross misdemeanor conviction from 4 years ago. I've had numerous job offers and apartments fall through because of it.

Credit checks too are becoming more and more common for housing and employment. So basically if you have bad credit we don't want to help you try to get out if it. And if you have any kind of criminal conviction oh we also don't want to help you in any way put that behind you.

So you end up with a system that keeps people down essentially, forcing them to take shitty jobs if they can even get that, and live in a shitty neighborhood with a shitty landlord. Or worse, be jobless and homeless.

You can of course luck out on both the job and housing front but you're entirely dependent on someone giving you a chance. For a society that is supposed to pride itself on individual upward mobility, it seems odd that we put the fate of millions essentially into the generous hands of someone else who has to "give them a chance."

I feel like if someone has paid their dues for their crimes and are a free person, no one should be able to hold their past against them, as it will just keep people stuck with their past instead of allowing them to move forward.

On the credit front, I understand a low credit score can be a good predictor, but if someone can show you their income and have a good rental history and references, I don't see why a credit score should prevent someone from getting housing, and especially a job, as they need that job to improve their credit.

Background is treated as an automatic exclusionary force unless you find someone who is understanding. It shouldn't be that way.

I honestly think these systems already are essentially a social credit system in the US, with the result of extreme economic segregation that often falls along racial lines. I can't even imagine being a black person with a felony on their record.
 

Nokterian

Banned
Oct 25, 2017
2,528
Euroland
Not only that those infrastructures are being laid every where else in the west, it won't happen yet but it can happen in the future.

Also that credit system in china? The people with the lowest amount of money can't even taken the bus because there credit score is so low it will never go up.
That's how it starts not equality but inequality..it is dangerous and most of chilling on what is happening in China.
 

KonradLaw

Banned
Oct 28, 2017
1,960
Don't you have time limits for those? Here in Poland (and a lot of other EU countries) the bad credit information has expiration date and once debts are settled it's removed after AFAIR 2 years. Plus it can't be used for anything besides loans.
Similiarly with crime sentences. Each crime has a grace period after you finish your punishment, afterwhich the records of it are sealed and not only nobody can get the information about it from the database, if somebody says you're a criminal you can actually sue them, even if they're from the press.
 
Oct 25, 2017
41,368
Miami, FL
Don't you have time limits for those? Here in Poland (and a lot of other EU countries) the bad credit information has expiration date and once debts are settled it's removed after AFAIR 2 years. Plus it can't be used for anything besides loans.
Similiarly with crime sentences. Each crime has a grace period after you finish your punishment, afterwhich the records of it are sealed and not only nobody can get the information about it from the database, if somebody says you're a criminal you can actually sue them, even if they're from the press.
7 years in America.
 
OP
OP

Deleted member 17092

User requested account closure
Banned
Oct 27, 2017
20,360
Don't you have time limits for those? Here in Poland (and a lot of other EU countries) the bad credit information has expiration date and once debts are settled it's removed after AFAIR 2 years. Plus it can't be used for anything besides loans.
Similiarly with crime sentences. Each crime has a grace period after you finish your punishment, afterwhich the records of it are sealed and not only nobody can get the information about it from the database, if somebody says you're a criminal you can actually sue them, even if they're from the press.

No that isn't at all how it works in the US.
 

Dekuman

Member
Oct 27, 2017
19,026
I find the premise insulting.

The credit score system was born out of the need to suss out how trustworthy a person is in financial dealings.

The China social credit system is an arbitrary government controlled system designed to punish/control people. If there are surface level similarities, it's coincidental. China's system sounds and appears way more intrusive and arbitrary.
 
OP
OP

Deleted member 17092

User requested account closure
Banned
Oct 27, 2017
20,360
Because it's a proxy for trustworthiness and reliability that people use in the absence of other information?

That's what I'm saying though, a credit score doesn't really determine if you can pay the rent or not. If you have references and income and no evictions there is zero history of not paying rent or being a bad tenant, and really that's all that should matter to a landlord.
 

Red Cadet 015

Banned
Oct 27, 2017
2,947
Yeah, we have a proto "social credit" system in the US, especially when trying to enter a lease or loan. I have an "excellent" credit score and a near perfect retal record (only was late by a couple days one time).

I can't imagine what it's like to stand there as a black man with a poor rental record (due only to being in poverty) and poor credit. Life would be extremely frustrating. Working two or three jobs just to stay afloat. I'm so lucky not to be in that situation.
 

Kirblar

Banned
Oct 25, 2017
30,744
That's what I'm saying though, a credit score doesn't really determine if you can pay the rent or not. If you have references and income and no evictions there is zero history of not paying rent or being a bad tenant, and really that's all that should matter to a landlord.
They want something they can rely on that is difficult to game. References/income/etc can be manufactured if you want to.
 

Valkyr1983

Banned
Oct 27, 2017
1,523
NH, United States
Because if they have solid income and rental history why does a credit score even matter?

I'm not aware or anyone having a bad credit score that didn't do it to themselves

So it's a reliable predictor or fiscal responsibility

I think rental history and credit score are good metrics


If I have two potential tenants with great rental history and one has good credit while the other has bad, that's a no brainer
 

Kyuur

Member
Oct 28, 2017
2,535
Canada
As long as credit systems are being used only in situations where, you know, you're applying for credit, I don't see any problem with them.

Using them for employment is nonsense. Same goes for background checks at jobs that don't require it (stuff like policing, child care, etc, I am fine with).
 

Deleted member 2171

User requested account closure
Banned
Oct 25, 2017
3,731
It's been weaponized for a long damn time.

As long as credit systems are being used only in situations where, you know, you're applying for credit, I don't see any problem with them.

It doesn't exist in a vacuum separated from racism and power structures, though. Weaponized zoning, redlining, etc et al all go hand in hand with it.
 

Baked Pigeon

Banned
Oct 27, 2017
7,087
Phoenix
People make mistakes, often when they are "young and dumb", and im talking about both credit and legal mistakes. I completely understand why the system is in place, but its really unfortunate for a person who has turned their life around but has to suffer the consequences of their past choices. We live in a society that says once you mess up, we are going to condemn you for it forever.
 

ishan

Banned
Oct 27, 2017
2,192
background checks are another issue of criminality etc but I would like to know about a felony etc record.

Credit checks are understandable. Its a measure of your debt payment history etc etc and can be changed etc So no they are not a race/class segregation system op.
 

CrocM

Member
Oct 25, 2017
9,682
I'd also point this out. A lot of times, 'freedom' to do whatever the hell you want means massive financial fuck ups.

There are many reasons it couldn't be their fault. A big one is people's parents taking out credit cards in their name when they are kids and racking up the debt.
 

OrdinaryPrime

Self-requested ban
Banned
Oct 27, 2017
11,042
I wouldn't rent an apartment to someone with terrible credit

Why take risks I don't have to?

Im not a landlord, I'm speaking hypothetically

How does the credit score get calculated? In your hypothetical case, as a landlord, would you know how it's calculated? Some random arbitrary number is gonna make it or break it?

I honestly don't get it. We're not talking about a loan or anything.
 

Ogodei

One Winged Slayer
Banned
Oct 25, 2017
10,256
Coruscant
They want something they can rely on that is difficult to game. References/income/etc can be manufactured if you want to.

Not even that, but even if you do have the income and the references, but have a tendency to bankrupt yourself for some reason (like you love to make risky investments or have a history of gambling addiction), that can be seen.

Of course, it usually just comes out to being a poverty trap because the poor are more likely to have bad credit.
 

Dekuman

Member
Oct 27, 2017
19,026
There are many reasons it couldn't be their fault. A big one is people's parents taking out credit cards in their name when they are kids and racking up the debt.

That's a good point and I agree in those cases people should be able to correct the record, but it really doesn't speak to the OP's premise.
 

Lappe

Banned
Nov 1, 2017
1,651
Agreed on the credit thing.

I live in Finland, and we basically have a registry for everyones "credit score" but instead of a score its just simpy a "Ok credit" or "No credit". And if you have the no credit tag, you CANT rent a apartment, get insurance, phone provider, internet provider, anything that is a monthly payment.

You are basically a social outcast, and it's pretty hard to bounce back the way the system is rigged against the person in question.

I've been in this situation for 12 years fighting my way back to normal status. And all of this, because of a fucking stupid 100€ payday loan i took when I turned 18.
 
OP
OP

Deleted member 17092

User requested account closure
Banned
Oct 27, 2017
20,360
I'm not sure if you are just asking a general question or if this is specifically an issue you are experiencing, but there are real estate groups that are "felony friendly" and will find you a place to live for a small fee.

No I'm fine, but I just don't think criminal and credit history should be such the huge bars they are in our society. It's great there are groups out there to combat it, but I don't think we should accept the norm that has been more and more propogated. Criminal and credit checks for jobs and housing were not a widespread thing even 10-15 years ago.
 

Valkyr1983

Banned
Oct 27, 2017
1,523
NH, United States
How does the credit score get calculated? In your hypothetical case, as a landlord, would you know how it's calculated? Some random arbitrary number is gonna make it or break it?

I honestly don't get it. We're not talking about a loan or anything.

They are not arbitrary though

It's the same universal system for everyone

You said fuck it and stopped paying your cell phone bill till it went to collections

Maybe you were late on a bunch of car payments because you wanted a vacation and were short on funds after

These examples are of people being irresponsible with money and life decisions.

Glad they can pay rent on time, but just because someone paid arguably the most important bill they have, and screwed up the rest doesn't mean they are responsible

And even if they do pay rent on time there are other factors

Like being a responsible human being. How can I trust they are responsible in taking care of the place? Etc
 

CrocM

Member
Oct 25, 2017
9,682
Agreed on the credit thing.

I live in Finland, and we basically have a registry for everyones "credit score" but instead of a score its just simpy a "Ok credit" or "No credit". And if you have the no credit tag, you CANT rent a apartment, get insurance, phone provider, internet provider, anything that is a monthly payment.

You are basically a social outcast, and it's pretty hard to bounce back the way the system is rigged against the person in question.

I've been in this situation for 12 years fighting my way back to normal status. And all of this, because of a fucking stupid 100€ payday loan i took when I turned 18.
There should be much stronger regulations on young people getting loans, STUDENT LOANS INCLUDED!!!!

But most governments care more about the banks than the people. *shrug*
 
Oct 27, 2017
199
NYC
Credit Scores fucking suck, but they treat everyone equally. It's probably the least racist tool they could use.

Background checks by themselves would be fine too, but when you take into account that minorities are targeted by police, it absolutely makes it more difficult on them, and it could be by design.
 

OrdinaryPrime

Self-requested ban
Banned
Oct 27, 2017
11,042
They are not arbitrary though

It's the same universal system for everyone

You said fuck it and stopped paying your cell phone bill till it went to collections

Maybe you were late on a bunch of car payments because you wanted a vacation and were short on funds after

These examples are of people being irresponsible with money and life decisions.

Glad they can pay rent on time, but just because someone paid arguably the most important bill they have, and screwed up the rest doesn't mean they are responsible

And even if they do pay rent on time there are other factors

Like being a responsible human being. How can I trust they are responsible in taking care of the place? Etc

You can get screwed on credit if your partner is an asshole and starts adding credit card debt without your knowledge. My cousin had this happen to her.

You also didn't tell me how it's calculated. Without looking it up, would you know? I wouldn't. All I know is it has to do with available credit and debt.
 

Pagusas

Banned
Oct 25, 2017
2,876
Frisco, Tx
I think one of the problems is how do you tell someone that's done everything right in there life that this person who has't been as responsible is just as deserving of this apt/house/job. If 2 people are equally qualified and 1 person has a history of bad choices, why should they get it instead of the person who's shown a history of responsible choice making? Now think of that multiplied by the hundreds of millions of people in the market for all these things. As another poster said, credit score more or less treat everyone the same, it's a math equation that's pretty transparent and easy to understand. Even with lower income you can have a good credit score.

There should be time limits, there should be ways to get things wiped from your record with outstanding behavor (and some things that should ALWAYS be on your record), and there should be places for people to go with bad credit for housing and jobs no matter what. That lack of those things is a problem I agree.
 

thediamondage

Member
Oct 25, 2017
11,295
Yeah, as Valkyr1983 says this is really just a net result of supply and demand. There is way, way, way more supply of people who want a job, want the nice apartments, want the low car loan, want the low interest mortgage, etc so the system cannot take 100% of them. Its not some random act of god that forced you to miss a payment or get convicted of a misdemeanor or higher charge, its your fault. Now, you could well argue that the long term punishment (social outcast) does not fit the crime but that is going to vary wildly from crime to crime, I certainly wouldn't want to work with or rent to a rapist or murderer but of course someone convicted of minor theft or the like is a totally different case.

OP: some advice, you may or may not know that misdemeanor crimes can be expunged from your record after 2 years in most states.
 

diablos991

Banned
Oct 26, 2017
933
The system implemented in the US is fine. It's the China method that gets ridiculous.

US lenders and people renting property need an objective way to gauge a persons likelihood of paying their bills. The government provides assistance to those who cannot pay their bills but everyday folk should, under no circumstance, need to risk their hard earned assets on people who cannot pay their bills —Especially when it is so hard to evict.
 

mmazurkiewicz

Attempted to circumvent ban with alt account
Banned
Oct 30, 2017
213
OP you should run a business or rent some property.

You'll do fine without credit checks.
 

LogicAirForce

Member
Oct 25, 2017
937
Bad or no credit keeping you from getting jobs was fucking mind-blowing to me when I was looking for my first job. How are you supposed to pay off debt if you can't get a decent paying job, or any job at all? Of course the answer is simple: the system is working exactly as intended.
 

kappa_krey

Banned
Jan 24, 2018
630
Right, because all black people have felonies on their records, right?

OP, this is kind or ridiculous. It's probably offensive to assume, and it's also kind of hilarious. Bad credit and background checks/drug tests etc. can fuck anyone over. If you think black people are more suspect to that than others, honestly that says a lot about your own bias xD.

EDIT: let me say that I do agree w/ people saying that records and credit scores can be weaponized, yes. It's happened in some instances. But you're talking about a pretty small percentage overall, whether lenders, employers etc. have utilized them either in a classist or racist fashion.

My issue is with insinuating the entire existence of stuff like background checks, drug tests or credit scores is to "keep black people down", b/c that's setting some extremely low expectations for what you expect out of black people. I hold people to higher standards than to automatically assume they're a criminal or were a criminal at some point in the past. That should be the normal mode of operation here; don't jump to conclusions xD.
 
Last edited:

Kirblar

Banned
Oct 25, 2017
30,744
Right, because all black people have felonies on their records, right?

OP, this is kind or ridiculous. It's probably offensive to assume, and it's also kind of hilarious. Bad credit and background checks/drug tests etc. can fuck anyone over. If you think black people are more suspect to that than others, honestly that says a lot about your own bias xD.
The problem is that there's predatory police behaviors that make it much more likely for a black person to get a mark on their record. (see: Ferguson)

I don't really have an issue with credit scores, but there are very much real issues with policing that end up making the background checks an issue since they're downstream from those issues.
 
Oct 27, 2017
21,545
Unless you're in a financial position no employer in Washington can run a credit check on an employee or potential employee. Looks like California, Colorado, Connecticut, Hawaii, Illinois, Maryland,Nevada, Oregon, and Vermont are the same way. Some individual cities do so as well such as New York and Chicago. It really is a ridiculous practice and should be banned everywhere.
 

Enduin

You look 40
Member
Oct 25, 2017
11,494
New York
Yeah no people Credit Score are pretty damn racist. The system itself might treat everyone equally on the face of it, but the rest of the world sure doesn't and the poor and minorities are disproportionately affected by these things. Hospital fees, predatory industries like Pay Day loans, predatory police fines and penalties, there's so much out there that can throw a person into massive debt and destroy their credit forever through little to no fault of their own.

Acting like it's just irresponsible people who waste their money on frivolous things and then don't pay their bills is disingenuous as fuck and overlooks the huge disparity of access to cheap money and services. Plenty of people are trying their hardest to keep up with everything but sometimes it's a question of paying your bills or having food on the table.




 

Deleted member 11413

User requested account closure
Banned
Oct 27, 2017
22,961
Don't you have time limits for those? Here in Poland (and a lot of other EU countries) the bad credit information has expiration date and once debts are settled it's removed after AFAIR 2 years. Plus it can't be used for anything besides loans.
Similiarly with crime sentences. Each crime has a grace period after you finish your punishment, afterwhich the records of it are sealed and not only nobody can get the information about it from the database, if somebody says you're a criminal you can actually sue them, even if they're from the press.
No it does not work that way in the US, although it should work that way on both counts
 

kappa_krey

Banned
Jan 24, 2018
630
The problem is that there's predatory police behaviors that make it much more likely for a black person to get a mark on their record. (see: Ferguson)

I don't really have an issue with credit scores, but there are very much real issues with policing that end up making the background checks an issue since they're downstream from those issues.

I suppose, but background checks only become a problem in most employment venues if you''ve got particularly violent offenses on your record. A traffic stop or two isn't going to prevent you from getting most jobs available.
 
Oct 27, 2017
1,665
Former landlord references are useless, unless they rented from a big company, you have no way of knowing who's number they gave you or what relation they have to the renter.
Plus the big companies will only disclose wether or not they have sued to evict you or collect unpaid rent, they won't tell you next landlord you had been chronically late on payments, had hundreds of noise complaints, or were warned for hoarding trash and such.