this post was submitted on 22 Apr 2024
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There's a key difference: One is based on just your financial history, only on the numbers. The other is based on everything you do all the time, which is way way way more privacy invasive.
with the amount of information sharing between all the large corps, they are likely to be more similar than you think.
When you're rejected for a loan by a bank in the USA you're entitled by law to know the reason. If your credit is good, your job is stable, and you've got no history of finance-related crime then you won't be denied a loan. If you're denied a loan because of the type of porn you browsed or some shit you said on Twitter, then that's grounds for a discrimination lawsuit.
https://news.uga.edu/how-social-media-posts-could-affect-credit-scores/ (via)