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“What kind of person racks up debts and doesn’t pay them? Your credit score is an attempt to answer this question. These important three-digit numbers summarize our statistical risk for lenders. The allure of the credit score is its clarity: It cuts through appearances and converts our messy lives into an easily readable metric. The difference between a score of 750 and 600 is obvious. One is an excellent bet for a lender to make; the other is not. On balance, credit scores have made borrowing more convenient, and fairer, for consumers.
But the United States Department of Homeland Security wants to use credit scores for an entirely different purpose, one they were never built for and are not suited for. The agency charged with safeguarding the nation would like to make immigrants submit their credit scores when applying for legal resident status.
The new rule, contained in a proposal signed by DHS Secretary Kirstjen Nielsen, is designed to help immigration officers identify applicants likely to become a “public charge”—that is, a person primarily dependent on government assistance for food, housing, or medical care. According to the proposal, credit scores and other financial records (including credit reports, the comprehensive individual files from which credit scores are generated) would be reviewed to predict an applicant’s chances of “self-sufficiency.” The proposal is open for public comment until December 10th.
Setting aside the proposal’s moral abdication when it comes to the needy, we should be troubled by another injustice: its abuse of personal metrics.”
JJ Editor's Daily Picks
"China’s Hydrogen economy Is coming: The world’s electric-vehicle king is seeking leadership in fuel cells, too. Investors are probably right to be excited."
"It would be the height of naivete to believe the book is closed. Democrats on Capitol Hill are not just going to take the attorney general's conclusions and move on to new things."
"Netanyahu has brazenly allied himself with Trump’s Administration and his family (including the cryptic peace negotiator, Jared Kushner, whose family he has known for years), as well as with the Republican Party and Republican funders..."
"Us is stranger than Get Out, with deeper philosophical undercurrents flowing through it. The rabbit that greets you at the movie’s start is an invitation. Will you follow, like Alice in her Wonderland?"
"Democrats and Republicans seem to have irreconcilable views on economics, but on one point they agree: Small business is better than big."
"Sanctuary, a digital astrology start-up backed by $1.5 million in venture capital, made the considered decision to launch its service on Wednesday — the dawn of the new astrological year, when Pisces gives way to Aries in the astral cycle."
"It is a Vessel for the depths of architectural cynicism, of form without ideology and without substance: an architectural practice that puts the commodifiable image above all else, including the social good..."
"Apartment Therapy posted a photo to Instagram of a bookshelf with the spines facing inward, and the dramatic response — dozens of users denouncing the trend as anti-intellectual, even comparing it to book-burning ..."
"Perhaps it is time to add parenting to the growing list of “replacement religions” competing for our attention and currency these days, a list that already includes workism and politics."
"Only a fraction of the world’s yeast species have been discovered. The ones still out there could revolutionize health care, green energy, and beer."
"We’ve recently fixated on expunging “fake news” but the medical world also has its charlatans. The snake-oil salespeople, masquerading as health professionals, are naturopaths."
"...should we continue to teach thinkers like Kant, Voltaire and Hume without mention of the harmful prejudices they helped legitimize?"