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Re:Shadow credit score could decide whether you get an apart... by archhn on Wednesday March 30, 2022 @11:59AM (#30857007)
Some people have no control over their environment. Suddenly getting laid off isn't a mark of "dishonesty."

It is offensive when "unforeseen circumstances" is casted as "dishonesty." This kind of thing is routinely done to criminalize the poor.

Re:Shadow credit score could decide whether you get an apart... by oneoff786 on Wednesday March 30, 2022 @08:05PM (#30862338)
It’s not about dishonesty. That’s my point. It’s likelihood that you will pay back. You can be an honest person and be unlikely to pay me back.