Quote Originally Posted by Dan Druff View Post
One major takeaway of that paper was that “decisions drawing on credit data reproduce and spread existing racial inequality, making it harder to achieve true economic equity.” Demos proposed the idea of a public credit registry in that paper.
Credit bureaus are racist, y'all.

Don't ask how or why.

They just are.

How would a "public credit registry" in place of the credit bureaus change anything? If you have bad credit, you have bad credit.
Experian, Transunion and Equifax are the Facebook, Twitter and Google of the credit world. They wield enormous power over you, and even when they screw up, they usually face no consequences.

I'm not saying they should be shut down, but for someone who thinks Big Tech has too much power over the public square, you should want the credit agencies to be reined in as well.