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re: Are Credit Scores Racist?
Posted on 8/24/17 at 1:03 pm to WMTigerFAN
Posted on 8/24/17 at 1:03 pm to WMTigerFAN
Data is not racist.
Edit: Unless we are talking about the dude on Star Trek because that dude was white as could be.
Edit: Unless we are talking about the dude on Star Trek because that dude was white as could be.
This post was edited on 8/24/17 at 1:05 pm
0
Posted on 8/24/17 at 1:25 pm to WMTigerFAN
quote:
Is it time to revamp the entire credit qualification process as dated, unrealistic and prejudicial?
Hmmm, i must have missed the portion on my credit report that has "skin color" as a reason for lowering my credit score.
This post was edited on 8/24/17 at 1:27 pm
Posted on 8/24/17 at 1:33 pm to WMTigerFAN
I worked at a financial institution where I had to pull credit all of the time.
An interesting observation I made during my years there, the credit gap between blacks and whites existed across all incomes.
An interesting observation I made during my years there, the credit gap between blacks and whites existed across all incomes.
Posted on 8/24/17 at 1:48 pm to WMTigerFAN
I work in banking and have had several black coworkers tell me that its simply not a priority within the majority of black culture to pay bills on time. It's as simple as that.
Posted on 8/24/17 at 1:49 pm to WMTigerFAN
Don't you know, everything is racist now days.
Credit is racist.
Dogs are racist.
Statues are racist.
Dollar bills are racist.
Food stamps are racist.
The President is racist.
Your genitals are racist.
The Flood of 2016 is racist.
BRPD is racist.
NFL Owners are racist.
ESPN is racist.
Etc..
Credit is racist.
Dogs are racist.
Statues are racist.
Dollar bills are racist.
Food stamps are racist.
The President is racist.
Your genitals are racist.
The Flood of 2016 is racist.
BRPD is racist.
NFL Owners are racist.
ESPN is racist.
Etc..
Posted on 8/24/17 at 1:52 pm to WMTigerFAN
This is basically a microcosm of the issues of today. Groups want what they did not work for handed to them. Like a bunch of sniveling kids who want something every day to be satisfied.
Posted on 8/24/17 at 1:58 pm to WMTigerFAN
quote:
Are Credit Scores Racist
I don't know. Are Fubu and ghetto nail salons racist?
Posted on 8/24/17 at 2:36 pm to WMTigerFAN
I blame poor money management and bad financial decisions. Seen this first hand in the Army. Had a soldier pawned off on me who couldn't get right and would spend his money on stupid shite. To be fair I have seen all races have terrible financial practices and habits ,but it seemed to be more young black males than anything.
Posted on 8/24/17 at 2:48 pm to WMTigerFAN
Credit scores are an output, not an input. They inherently can't be racist.
Now... what goes into the creation of a credit score? Your history of using credit and paying it back.
By and large... the black community, especially the urban black community, has worse access to legit banks, worse jobs, worse education, worse savings, etc. All of those things are going to find their way, somehow, into the behavior that causes credit scores to rise or fall.
Now... what goes into the creation of a credit score? Your history of using credit and paying it back.
By and large... the black community, especially the urban black community, has worse access to legit banks, worse jobs, worse education, worse savings, etc. All of those things are going to find their way, somehow, into the behavior that causes credit scores to rise or fall.
Posted on 8/24/17 at 3:54 pm to WMTigerFAN
quote:
Is it time to revamp the entire credit qualification process as dated, unrealistic and prejudicial?
Get a free vagina with each credit score over 750 and suckas would be stellar!!
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