Toto, I don't think we're in China anymore - US companies adopting social credit score system

[Anomnomnomaly]

They'll have fun with my credit scores... I don't believe in credit, I have no social media presence, I actively block any and all tracking and scripts in my browser (along with ads, cookies and everything else that's not required to view a piece of text) and what limited 'social' stuff I engage with is done through accounts that contain no personal information at all.... and ALL of my internet traffic is routed through a VPN to further obfuscate attempts to identify me.

 

It does mean that on the very rare occasion I see an add on some random website... it's never relevant to anything I am actually interested in... and facebook and google trackers are completely blocked from ALL websites.

[dfsdfgfkjsefoiqzemnd]

51 minutes ago, peanuts104 said:

Your credit goes bad when you get a mortgage you can't actually afford and then default on the loan.

 

Over here it's simple.  If you need a loan, you go to your bank.  The bank then looks at your income over the last year or so, your monthly expenses (rent, mortgage payments, payments for other loans, monthly bills, shopping etc) and then determines if you still have enough left to pay off whatever loan you are asking for. 

If those numbers indicate that you can comfortably pay it off, they'll grant you the loan.  If you can't, you don't get the loan.  No ifs, no buts, no need to worry about artificially building up scores and all that nonsense. 

 

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As for a social credit score, oh hell no!  I'll be flagged as suspicious right away, soon thereafter they'll start wondering if I actually exist.  

[Bananasplit_00]

Yay... What an awful fucking idea if you want a fair system. Great for controlling your people though, like really fucking effective to lock them out unless they act acording to what you want.

[Anomnomnomaly]

I haven't read every single word of the OP... can I assume that this is a USA idea?

 

Land of the free 'to do what your told like a good little sheep and that means we control every aspect of your life, you get no rights to anything except guns, racism and intolerance'

 

But yeah... FREEDOM... Murica, murica, murica.

[RejZoR]

3 hours ago, jstudrawa said:

 

 

 

This was my first thought when I read the title. Lets just say this is the future I don't fucking want to live in. We already have this pretentious social media nonsense where everyone is living perfect life and happy and have everything, but are really living miserable lives outside of social networks.

[NumLock21]

That article sounds more like an opinion piece, rather than confirm facts, where the US has adopted AI to determine who is qualified for what, based on their social media profiles.

[peanuts104]

27 minutes ago, Captain Chaos said:

 

Over here it's simple.  If you need a loan, you go to your bank.  The bank then looks at your income over the last year or so, your monthly expenses (rent, mortgage payments, payments for other loans, monthly bills, shopping etc) and then determines if you still have enough left to pay off whatever loan you are asking for. 

If those numbers indicate that you can comfortably pay it off, they'll grant you the loan.  If you can't, you don't get the loan.  No ifs, no buts, no need to worry about artificially building up scores and all that nonsense. 

 

They do the same thing.  The credit score and credit history checks are in addition to checking your job history, income, etc.

[Emberstone]

1 hour ago, TempestCatto said:

Man, those of us with porn accounts are never gonna be able to buy a house, a car, or even pay for porn on a credit card anymore!

You and I both know that Pornhub will step up for its account-holders if need be given how cool they've been for various porn-unrelated things in the past.

[mr moose]

There is a very slim and slightly amusing upside,  If a company was socially responsible they could prevent anti vaxxers from getting health insurance, home loans etc.   This at the very least would curb that kind of irresponsible social behavior.

[Arika]

19 minutes ago, mr moose said:

There is a very slim and slightly amusing upside,  If a company was socially responsible they could prevent anti vaxxers from getting health insurance, home loans etc.   This at the very least would curb that kind of irresponsible social behavior.

Or on the flip side, companies that are anti vaxx could prevent pro vaxxers service

Edit: unless the social credit manager is aligned a particular way across the board it will cause conflicts between companies about what should raise and what should lower the score

[JediFragger]

5 hours ago, jstudrawa said:

 

 

 

Wow man that just freaked me the fuck out!! I better put down this bong...

[RoseLuck462]

I think I’d be good if they ran this test on me.

[handymanshandle]

3 hours ago, peanuts104 said:

3 hours ago, Sauron said:

Basically that but the government will come after you send you on a reeducation retreat if the score gets too low

FTFY you, citizen.  Pick up that can please.

 

Reminds of me of this:

 

 

[Guest]

Considering my last FB post was ‘Just used my boobs to get out of a speeding ticket’ I’d say I’m trustworthy.

[Trik'Stari]

And so, we begin to see the collapse of the failed experiment that is a debt based economy.

 

I give zero shits about credit. I avoid debt like the plague. I am ashamed of what little debt I owe because I got a student loan. I regret that. I was not as informed as I should have been, that IT degrees basically mean fuck all without certificates.

[SenKa]

12 minutes ago, Trik'Stari said:

And so, we begin to see the collapse of the failed experiment that is a debt based economy.

Have you been told that your PFP suits you perfectly? Because it does, in the absolute best way possible. I read all your posts in Dale's voice.

[poochyena]

7 hours ago, jstudrawa said:

 

 

 

Thats basically how daily life is for me. Me and many of my friends own an etsy shop so we essentially rate each other.

[mr moose]

2 hours ago, floofer said:

Considering my last FB post was ‘Just used my boobs to get out of a speeding ticket’ I’d say I’m trustworthy.

I just read an article recently where they showed a link between looking at boobs and better health.   I put the increase in life expectancy down to the increase in internet porn.

[Arika]

22 minutes ago, mr moose said:

I just read an article recently where they showed a link between looking at boobs and better health.   I put the increase in life expectancy down to the increase in internet porn.

Must be why women live longer than men, get to look at our boobs everyday

[Brooksie359]

3 hours ago, mr moose said:

There is a very slim and slightly amusing upside,  If a company was socially responsible they could prevent anti vaxxers from getting health insurance, home loans etc.   This at the very least would curb that kind of irresponsible social behavior.

I have never understood this. If everyone gets vaccinated but them then why does it matter? Wouldn't the only people they would put at risk is those who dont get vaccinated? Anyways I think it would be stupid to base credit based on ones beliefs. That is a very dangerous road to go down. 

[Guest]

25 minutes ago, Arika S said:

Must be why women live longer than men, get to look at our boobs everyday

I’m a man and I get to look at my boobs every day too.

[Drak3]

27 minutes ago, Arika S said:

Must be why women live longer than men, get to look at our boobs everyday

Internet...

[dfsdfgfkjsefoiqzemnd]

Just now, Arika S said:

Must be why women live longer than men, get to look at our boobs everyday

You do realize that now it's just a matter of time before a bunch of men flood your inbox with requests to help prolong their life, right? 

 

 

 

Just now, Brooksie359 said:

If everyone gets vaccinated but them then why does it matter? Wouldn't the only people they would put at risk is those who dont get vaccinated?

Unfortunately it's not that easy.  Some people can't be vaccinated (due to issues with their immune system, for example).  For those people herd immunity is very important. 

If everybody for example is vaccinated against measles, people who can't be vaccinated don't have to worry about getting measles because they simply never come into contact with the virus.  However if they run into an anti-vaxxer at the wrong time (sticking with measles: carriers can be contagious up to 5 days before the rash actually starts), that could basically end their life.

[leadeater]

8 hours ago, Taf the Ghost said:

Ferrari (or other manufacturers) just expect you to own a lot of their cars already. Any of the Limited Ferraris or the Lambos just have different "standing" requirements. Those are more like really expensive social clubs, however. What Ford has been up to is more of an anti-flipper approach while also getting "free" marketing out of people. They've turned getting the new GT into a luxury item on its own. (Frankly, they've understood, properly, the concept of a Halo Product in the current era.)

 

Using non-celebrity Social Media as a check on your ability to get a credit card is a far different event. It also has legal consequences.

Ferrari does actually do similar. For their special cars and more exclusive top end models you need to have an existing purchase history and own a certain amount of cars currently etc. They have even in the past gone to the extent of requiring an interview to confirm you can be put on the buyers list. Ferrari, special company...

[Brooksie359]

3 minutes ago, Captain Chaos said:

You do realize that now it's just a matter of time before a bunch of men flood your inbox with requests to help prolong their life, right? 

 

 

 

Unfortunately it's not that easy.  Some people can't be vaccinated (due to issues with their immune system, for example).  For those people herd immunity is very important.  If nobody else for example has measles, they can't get measles.  However if they run into an anti-vaxxer at the wrong time (sticking with measles: the incubation period is 7 to 14 days but carriers are already contagious 3-5 days before the rash starts), that could basically end their life.

I know this is not going to be a popular opinion but I think that it's not their problem. If you have a weak immune system any illness could end your life and that's not really anyone's fault it's just a harsh fact of life. The chances that someone who has that type of issue comes into contact with someone who isn't vaccinated and just so happens to have that illness is not big enough to warrant limiting other people's freedom. People get sick and die it's just a thing that happens and it really isn't anyone's fault.