Response: “Collateral Damage: Landin Credit” By Cathy O’ Neil

 Area1:

In the book, Weapons Of Math Destruction, Chapter 8: “Collateral Damage: Landing Credit” by Cathy o’ Neil mentions unfair bias use of data.  Using Fico scores to determine who is likely to be more at risk or less of risk default their loans.  This starts accumulating other data score “e-score” that is unfair, unsupervised and discredited. Credit Card companies know you down to the last cent of your spending, web surfing, and location. Everything means something in terms of how wealthy is the person. For those who live in not so well area that is already a strike against them. They receive a low credit score without considering that they pay their bills on time and are not in debt. These sharks keep tabs on our everyday life without our control. 

Area2: In 2016 the book stated 40 states use credit checks for hiring employees and currently 10 that ban credit information (shrm .or). And guess which state is one of those ten. Give you a hint it’s evergreen and begins with W. Yes, Washington does not allow credit scores. However, 40 states still use credit background checks to use it as an unfair advantage over the people who are qualified but one bad payment or low income makes the difference if they get hired. What a load of bull. For those individuals that want to make out of the low income, they still have an obstacle that they can’t see. using something as a zip code to make or break your job career is kinda heartbreaking. I am a student who is middle class and job that barely pays. I do not qualify to make out a sinking ship based on my credit or lack thereof. But they don’t base it on how hard I work to get to where I am today. Wow, the world certainly just got smaller. 

Edit: I miss reread the information it is 10 states that ban credit checks. And Washington state is part of the 10.