In the wake of the Equifax hacking scandal, and the subsequent congressional hearings, Darien and Toby discuss why these companies are collecting so much of our information, and whether we should we thank them for it? Toby looks at how Thomas Hardy's Return of the Native would be different with a credit scoring system, and Darien imagines a future where robots eliminate racism...or exacerbate it.
- The Return of the Native, by Thomas Hardy
- (Wikipedia) Credit Score
- (NPR) Equifax Hack Brings Renewed Attention To The Credit Reporting Industry
- (Wikipedia) Fair Credit Reporting Act
- (National Consumer Law Center) AUTOMATED INJUSTICE: HOW A MECHANIZED DISPUTE SYSTEM FRUSTRATES CONSUMERS SEEKING TO FIX ERRORS IN THEIR CREDIT REPORTS
- (Electronic Privacy Information Center) The Fair Credit Reporting Act (FCRA) and the Privacy of Your Credit Report
- (BBC) China 'social credit': Beijing sets up huge system
- (Columbia Business Law Review) Navigating the Perfect Storm: Suggestions for reforming credit bureaus in the wake of the Equifax breach
- (CNBC) Higher credit scores are on the way, thanks to new standards
- (The Guardian) Credit scores in America perpetuate racial injustice. Here's how
- (The Washington Post) For black Americans, financial damage from subprime implosion is likely to last
- (Federal Reserve Bank of Boston) Credit Card Redlining
- (FICO Blog) Do credit scores have a disparate impact on racial minorities?
- (Federal Reserve Board) Does Credit Scoring Produce a Disparate Impact?
- (CNN) Facebook patent: Your friends could help you get a loan - or not
- (CNN) The risks -- and benefits -- of letting algorithms judge us