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A comment on A new credit bubble gets ready to burst. Parent comment

Re:A new credit bubble gets ready to burst by mikeash on Sunday June 02, 2019 @03:50PM (#20077643)
Credit ratings are an attempt to turn weird moral tests into a concrete number, and they have a massive effect on one’s ability to get a mortgage. It wouldn’t be at all surprising for a bank to try to account for factors the credit score misses.
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Re:A new credit bubble gets ready to burst by gizmo686 on Sunday June 02, 2019 @07:16PM (#20079050)
What "moral tests" do credit scores use? You could certainly argue that they are not an accurate reflection of credit worthiness.
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Re:A new credit bubble gets ready to burst by mikeash on Monday June 03, 2019 @12:35AM (#20080439)
Whether you’ve paid back your debts previously.
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