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Message
re: Buying a home is easier if you're white
Posted on 2/9/15 at 1:05 pm to OysterPoBoy
Posted on 2/9/15 at 1:05 pm to OysterPoBoy
What the heck are DBEs?
1
Posted on 2/9/15 at 1:10 pm to Will Cover
they left out the part that the hispanics applying make 5 dollars an hour picking strawberries and the black and white people applying; have credit scores of 485.
Posted on 2/9/15 at 1:46 pm to Groot
Disadvantaged Business Enterprise (51% or more owned by minority or women)
Posted on 2/9/15 at 1:56 pm to dinosaur
quote:
To be regarded as economically disadvantaged, an individual must have a personal net worth that does not exceed $1.32 million.
Poor disadvantaged millionaires.
Posted on 2/9/15 at 3:13 pm to Will Cover
The article posted leaves a lot of variables out. One off the top of my head would be the applications themselves. I never even tried to buy a house until I knew I could. Maybe Blacks and Hispanics "Jump the Gun" so to speak when it comes to applying for mortgages. Also, Income and Credit Scores are nowhere on that article. It's like they went to Zillow and ran the search just on race.
Oh CNN, muckraking for minorities since 1994.
Oh CNN, muckraking for minorities since 1994.
Posted on 2/9/15 at 3:18 pm to Will Cover
Stop making it about race. It is about having trash credit. 
Posted on 2/9/15 at 3:22 pm to Will Cover
This explains so much, I wondered how I was able to buy a decent home with a 300 credit score.
But come to think of it, I do remember the finance guy writing "WHITE" across the top of my paperwork.
But come to think of it, I do remember the finance guy writing "WHITE" across the top of my paperwork.
This post was edited on 2/9/15 at 3:25 pm
Posted on 2/9/15 at 3:23 pm to CAD703X
quote:
Dave Ramsey's credit score is ZERO
I call bs on this one. He may not use it or know what it is but I bet he has a score.
Posted on 2/9/15 at 3:25 pm to htownjeep
quote:
call bs on this one. He may not use it or know what it is but I bet he has a score.
If you don't use any type of credit for extended times it can become low.
I find it hard to believe he doesn't have cable/internet or a cellphone. Then again that could be picked up by his "company" so who knows.
For a every day person a zero credit rating is hard to do.
Posted on 2/9/15 at 3:28 pm to fightin tigers
quote:
If you don't use any type of credit for extended times it can become low.
I know, I was debt free for about 10 yrs and bought everything cash when I was younger and my score was in the absolute shitter. I built it up since then because I got to the point of wanting to buy a house, nicer car etc. High credit scores have nothing to do with how much money you have, just means you are good at paying off debts. People for some reason think high scores mean you have a ton of money. Hell, my son has a higher score than I do because I set him up like that from an early age and he doesn't make jack shite.
Posted on 2/9/15 at 6:18 pm to Will Cover
There is subtle discrimination in the housing market. There's no doubt about it.
It's been proven time and time again experimentally.
Kevin Boyle wrote a book that covered some of the history -- Arc of Justice: A Saga of Race, Civil Rights, and Murder in the Jazz Age -- focusing on Dr. Ossian Sweet, who moved into a white neighborhood in Detroit in the 1920s, and was subsequently attacked by hundreds of white residents for racist and economic reasons (property value).
It's been proven time and time again experimentally.
Kevin Boyle wrote a book that covered some of the history -- Arc of Justice: A Saga of Race, Civil Rights, and Murder in the Jazz Age -- focusing on Dr. Ossian Sweet, who moved into a white neighborhood in Detroit in the 1920s, and was subsequently attacked by hundreds of white residents for racist and economic reasons (property value).
This post was edited on 2/9/15 at 6:32 pm
Posted on 2/9/15 at 6:33 pm to inadaze
Wait a second. Because a black person moved into a white neighborhood in the 1920's housing discrimination is alive and well?
Posted on 2/9/15 at 6:34 pm to inadaze
quote:
Kevin Boyle wrote a book that covered some of the history -- Arc of Justice: A Saga of Race, Civil Rights, and Murder in the Jazz Age -- focusing on Dr. Ossian Sweet, who moved into a white neighborhood in Detroit in the 1920s, and was subsequently attacked by hundreds of white residents for racist and economic reasons (property value).
He must have had a shitty racist credit score
Posted on 2/9/15 at 6:43 pm to Golfer
quote:
Wait a second. Because a black person moved into a white neighborhood in the 1920's housing discrimination is alive and well?
I don't even know what you're trying to say here. Of course, the situation has improved, but subtle discrimination does still exist.
There is a history to it. Boyle wrote a book that focuses on a notable event in that history.
Posted on 2/9/15 at 6:47 pm to Will Cover
It's also easier if you have a job, but that's not racist.
Posted on 2/9/15 at 6:49 pm to inadaze
quote:
I don't even know what you're trying to say here. Of course, the situation has improved, but subtle discrimination does still exist.
You linked a book on Amazon and made a statement about racism in the 1920's.
Bottom line: credit scores, income verification, and debt to income ratios aren't racist.
Posted on 2/9/15 at 6:58 pm to Golfer
quote:
You linked a book on Amazon and made a statement about racism in the 1920's.
The book focuses on that event, but also springboards into current (at the time it was written) housing segregation.
quote:
Bottom line: credit scores, income verification, and debt to income ratios aren't racist.
RACIAL AND ETHNIC MINORITIES FACE MORE SUBTLE HOUSING DISCRIMINATION
Posted on 2/9/15 at 6:59 pm to Golfer
quote:
You linked a book on Amazon and made a statement about racism in the 1920's.
Also, as I already said (which you ignored), that event was not just about racism.
This post was edited on 2/9/15 at 7:03 pm
Posted on 2/9/15 at 7:01 pm to inadaze
So before performing a search of MLS listings, they ask for your race?
This post was edited on 2/9/15 at 7:04 pm
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