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Sanders wants to replace credit reporting companies with public credit registry

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Re: Sanders wants to replace credit reporting companies with public credit registry

#171

Post by drivingmenuts »

patmcc wrote: post #119
ping_pong wrote: post #71

Earlier quoted context omitted.

I'm a progressive liberal, but I believe this is hogwash. Many countries have a government issued national card for citizens. It's not a huge deal. Activists have made it seem like it's a way to suppress voters but I think that's largely BS. We could start a campaign now, or just after the next election in 2020, and get people to sign up for cards by 2028, and enforce that then. We have census every 10 years, it's so…

Sure, if you had a free and convenient citizen ID card, requiring ID to vote might be just fine. As it is currently, it's absolutely a way to suppress the vote of low-income (and minority) people. In many areas of many states getting photo ID is non-trivial, especially if you're in a shitty job.

You also have to work out some way of dealing with those who fear The Mark of the Beast.

Re: Sanders wants to replace credit reporting companies with public credit registry

#172

Post by asabjorn »

RandomBacon wrote: post #138
asabjorn wrote: post #127

Earlier quoted context omitted.

You need a government ID to apply for food stamps or welfare or medicaid/social security, and to apply for unemployment or a job. It would seem like a poor person would utilize those services. Also, you need an ID to have a bank account, buy a cellphone, buy alcohol or cigarettes.

> Also, you need an ID to have a bank account, buy a cellphone, buy alcohol or cigarettes. Incorrect on all three accounts in the U.S. Some states might have a law requiring ID for alcohol or cigarettes, but at least one definitely does not. Some stores actually violate their state's law with their store's ID policies. I've done all three without ID (alcohol, not cigarettes though). Yes, it is possible to have a bank…

> Yes, it is possible to have a bank account without ID.

Where do you get that from? It seems incorrect: "You’ll need to provide a valid, government-issued photo ID, such as a driver’s license or a passport, or a state ID card from the Department of Motor Vehicles." [1]

> Some states might have a law requiring ID for alcohol or cigarettes, but at least one definitely does not. Some stores actually violate their state's law with their store's ID policies.

All states require you to be 21 to buy alcohol. Which states do not require you to provide ID for that?

Seems like we might be splitting hairs here due to laws such as Indianas that "Indiana has a photo identification requirement for all off-premises transactions to anyone who is or reasonably appears to be less than forty (40) years of age." [3]

So yes, some liquor seller might be lax on enforcement or judge you to look over 40. However, that doesn't change the laws.

[1] https://www.nerdwallet.com/blog/banking/how-to-open-a-bank-a... [2] https://www.consumer.ftc.gov/articles/0388-alcohol-laws-stat... [3] https://en.wikipedia.org/wiki/List_of_alcohol_laws_of_the_Un...

Re: Sanders wants to replace credit reporting companies with public credit registry

#173

Post by manquer »

codyb wrote: post #149
asabjorn wrote: post #140

Earlier quoted context omitted.

How do you even distinguish voter fraud from a regular vote after the fact? This seems impossible because the vote is anonymous and there is no ID requirement, so no wonder putting a number on it after the fact is hard. The source doesn't change the content of what they discovered, people caught red handed, or the statements made by officials such as NYC Democratic Commisioner Alan Schulkin.

For a non American you seem very invested in this. I see no proof of people being caught redhanded and that’d be pretty easy to verify since voter fraud is a felony and they’d have a court cases. It would take thousands of cases to sway most elections, so you’d need hundreds and hundreds of people to commit multiple felonies. And yet somehow none of this giant conspiracy to manipulate voter fraud is leaking out? Seem…

Not OP, not American either. The voter ID laws in India helps enormously in reducing fraud, if India can implement a system like that, Surely US should be able to as well ?

Re: Sanders wants to replace credit reporting companies with public credit registry

#174

Post by asabjorn »

youeseh wrote: post #136
asabjorn wrote: post #134

Earlier quoted context omitted.

96% of Americans have a cellphone and that require an ID: https://www.pewinternet.org/fact-sheet/mobile/ Also, good guys have IDs to do one of the many things I listed that require IDs including poor people that need an ID for food stamps or medicare or social security. It is actually quite hard to buy a gun as this journalist that thought it was easy found out when trying to buy one: https://www.businessinsider.com/…

Assuming that you're right that 96% have an ID, then what problem are we solving by forcing the other 4% into getting an ID? Is it even a problem? Do you have data to show that it is a real problem? Check this out: https://www.youtube.com/watch?v=rHFOwlMCdto Btw, you shouldn't mix up Walmart with the government. They aren't. Walmart can structure their customer experience any way they want as long as they aren't brea…

With the intersection between 96% with cellphones that need an ID and all the other places where an ID is needed the percentage without an ID will be much less than 4%.

For instance, it seem fair to assume someone without a cell phone is poor or very old. Such a person would utilize government services that require an ID such as foodstamps, medicaid or medicare or social security.

Re: Sanders wants to replace credit reporting companies with public credit registry

#175

Post by asabjorn »

trevyn wrote: post #170
belltaco wrote: post #161

Earlier quoted context omitted.

>96% of Americans have a cellphone and that require an ID Citation that cellphones need an id?

They don’t. Maybe OP is thinking about postpaid plans?

Looking into it seems like only postpaid need ID, and it is hard to come by statistics on post vs pre paid. However, bank accounts require an ID [1] and only 6.5% of the US population was unbanked in 2017 which demonstrates the same point.

"If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will accept a passport number and country of issuance, an alien identification card number, or other government-issued ID number."

[1] https://www.consumerfinance.gov/ask-cfpb/can-i-get-a-checkin... [2] https://www.fdic.gov/householdsurvey/

Re: Sanders wants to replace credit reporting companies with public credit registry

#177

Post by [deleted] »

patmcc wrote: post #119
ping_pong wrote: post #71

Earlier quoted context omitted.

I'm a progressive liberal, but I believe this is hogwash. Many countries have a government issued national card for citizens. It's not a huge deal. Activists have made it seem like it's a way to suppress voters but I think that's largely BS. We could start a campaign now, or just after the next election in 2020, and get people to sign up for cards by 2028, and enforce that then. We have census every 10 years, it's so…

Sure, if you had a free and convenient citizen ID card, requiring ID to vote might be just fine. As it is currently, it's absolutely a way to suppress the vote of low-income (and minority) people. In many areas of many states getting photo ID is non-trivial, especially if you're in a shitty job.

[deleted]

Re: Sanders wants to replace credit reporting companies with public credit registry

#178

Post by [deleted] »

bearjaws wrote: post #50
joegahona wrote: post #13

> Under this proposal, Americans would be able to receive credit scores for free I have never paid to see my credit score, so I'm not sure how this is novel? Also, are things not going well at Vox? 900px (height!) of ads at the top of the page along with Outbrain trash and numerous right-rail ads and inside-the-content ads (on desktop) do not give the impression of a thriving publication.

If you are using a "free" e.g. credit karma, Mint, credit monitoring service, you are paying via giving away your information, its not free. You're the product being sold.

[deleted]

Re: Sanders wants to replace credit reporting companies with public credit registry

#179

Post by RandomBacon »

asabjorn wrote: post #172
RandomBacon wrote: post #138

Earlier quoted context omitted.

> Also, you need an ID to have a bank account, buy a cellphone, buy alcohol or cigarettes. Incorrect on all three accounts in the U.S. Some states might have a law requiring ID for alcohol or cigarettes, but at least one definitely does not. Some stores actually violate their state's law with their store's ID policies. I've done all three without ID (alcohol, not cigarettes though). Yes, it is possible to have a bank…

> Yes, it is possible to have a bank account without ID. Where do you get that from? It seems incorrect: "You’ll need to provide a valid, government-issued photo ID, such as a driver’s license or a passport, or a state ID card from the Department of Motor Vehicles." [1] > Some states might have a law requiring ID for alcohol or cigarettes, but at least one definitely does not. Some stores actually violate their state…

> Where do you get that from? It seems incorrect

Personal experience. I've opened bank accounts online with credit unions. Never had to show them my ID, even when I went in person to withdraw cash.

If I was a third party reading these comments, I wouldn't trust a *.com website, but instead some law, or official govt website.

There's a lot of things in this word that "seem wrong" but are perfectly legal.

Re: Sanders wants to replace credit reporting companies with public credit registry

#180

Post by 693471 »

jeffdavis wrote: post #87

I think a lot of people miss that federalizing things creates a monopoly, and it's less different from a private monopoly than we might like to think. It is a democratic monopoly, but democracy among 300+ million people is a big hammer. Do you really, actually think that this will be a well-run service where mistakes are quickly corrected? No. It will just be an extra layer of protection for any mistakes that are mad…

Federalizing means all Americans are voting shareholders but the goal isn't to make a profit.

There are lots of situations where I think that is preferred, but people won't look at it this way because of socialism/communism scare.

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