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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 Picks
"Not even what one might think of as the most basic tenet of any religion, a belief in the existence of God, is a prerequisite: Agnosticism is a key principle of at least one major school of Hindu philosophy."
"The presidency of any particular incumbent is relatively short... but the precedential consequences of impeaching a president without complying with the specific provisions of the Constitution “as it was written” are enduring."
"After news that a judge allegedly provided sexual favors to Bar Association president Efi Nave in exchange for her appointment, several politicians said in their responses that the Judicial Selection Committee needed to be the “Holy of Holies.”"
"Two new documentaries take on Billy McFarland and his disastrous music festival... the secret villain of this story all along: the subtle menace of social media marketing."
"Eating out, ordering in. Throw in a bagel here, a coffee there, and it all adds up. "It's definitely a challenge for people my age to save on food.""
"Popular music is shrinking. From 2013 to 2018, the average song on the Billboard Hot 100 fell from 3 minutes and 50 seconds to about 3 minutes and 30 seconds. "
"Here in the good old U.S. of A, the third annual Women's March planned for Jan. 19 is in serious trouble, thanks to irreconcilable political disagreements."
"Nature, however, with its endless cycles of death and rebirth, fascinated her. Walking in the woods, she developed a method that has become the hallmark of her poetry, taking notice simply of whatever happens to present itself."
"Modern parents haven’t stopped playing favorites; they’ve just stopped doing it openly. Though few parents today will admit they have a favorite child, studies indicate that about two-thirds of parents do."
"The first science-based diet that tackles both the poor food eaten by billions of people and averts global environmental catastrophe has been devised."
"Sphen and Magic looked like they would make great, diligent, careful egg-warming parents. They made the biggest nest, and they sat on it constantly."
"How YMHAs, followed by synagogue-centers, and finally JCCs have tried—in different ways—to balance Judaism and Jewishness, by bringing Jews together in intellectual, spiritual, and physical pursuits"