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Sanders wants to replace credit reporting companies with public credit registry

vox.com

181–190 of 205 posts

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

#181

Earlier quoted context omitted.

Votrts want favorite politicians to have power over them, forgetting that the next politician in charge may very well be someone they hate. Anyways, ordinary business and our lives shouldn't be the concern of federal government. It is a different matter if a state went ahead with it.

Our elections are really a choice between communism and authoritarianism.

Communism is authoritarian...

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

#182
post #149

Earlier quoted context omitted.

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 ?

As I’ve explained, it’s a solution to a problem that doesn’t need solving.

Maybe it is a different situation in India, but here the people proposing voter identification laws are doing so in bad faith.

They’re trying to make it harder to vote so elections are less fair, as opposed to making elections more fair by guaranteeing the sanctity of the individuals vote which is the position they’re pretending to be standing on.

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

#183
post #30

Earlier quoted context omitted.

> Republicans play to suppress minority voters. What are they doing to suppress minorities?

Here are a few examples: https://www.quora.com/What-are-some-examples-of-voter-suppre... It is more than just requiring proper ID when voting. Turns out that you have to be on a list of pre-approved voters. There can be many reasons why you didn't end up on that list and many ways to bump you off. Its not like you show up on voting day, scan your ID, and the system magically determines your eligibility to vote based…

Could you provide a citation that’s a little more reliable than a quora post?

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

#184
post #182

Earlier quoted context omitted.

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 ?

As I’ve explained, it’s a solution to a problem that doesn’t need solving. Maybe it is a different situation in India, but here the people proposing voter identification laws are doing so in bad faith. They’re trying to make it harder to vote so elections are less fair, as opposed to making elections more fair by guaranteeing the sanctity of the individuals vote which is the position they’re pretending to be standing…

To make it harder a significant number of people need to have no ID. Banking require and id [1] and 93.5% of the population is banked. Most of the remainder probably has an ID for Government services that need them such as applying for food stamps, medicare, medicaid, having a job, unemployment support and social security.

In Norway, my home country, it has never been an issue in our 200 years as an independent country for anyone to get an ID to vote. And we used to be mostly dirt poor fishers and farmers that often lived in fairly isolated places.

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

#185

Earlier quoted context omitted.

> 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.

"To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with the Internal Revenue Service (IRS) .

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]

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

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

#186

Earlier quoted context omitted.

The minorities argument is hogwash. Read the list of things you can't do without a government ID and ask yourself how many are not doing any of those: have a bank account, getting a cellphone, buy alcohol or cigarettes, apply for food stamps or welfare or medicaid/social security, apply for unemployment or a job, rent/buy a house, drive/buy/rent a car, fly, get married, etc etc So what is the real story? Former NYC D…

Please keep Veritas/O’Keefe/political BS off of here. They’re well-known to be serial fraudsters (with his latest attempt consisting of trying to plant false rape allegations during the Kavanaugh confirmation affair).

That doesn't make sense to say when talking about videos. Investigative journalists in all ages have received this charge.

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

#187

Earlier quoted context omitted.

> 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.

"To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with the Internal Revenue Service (IRS) . If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will acc…

Sounds good. So technically an ID is not needed.

Just to make sure we are on the same page, we are equating "ID" to a physical identification card, right? Since I think that's what this conversation stemmed from.

I bet those credit unions were just running my Social Security Number against a database to make sure it matched with the name, DOB, etc I provided.

I wonder if there is a legal definition of "verify" when it comes to banks and customers. Verifying could just be asking the customer, what their name is.

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

#188
post #148

Why are credit scores “racist” (as claimed by Sanders and Vox)? The outcomes being distributed differently among races does not make the methodology “racist”. The input factors into credit scores do not include race. Correlation to race, even if strong, is not causation.

If you're interested in this topic, you should look at "Weapons of Math Destruction." It's a question of if the outcomes are distributed differently among races because the races represent truly different probabilities, or because the inputs to the model were already tainted against some race. For example, let's say you judge creditworthiness based on membership in a particular honors society, but that honors society…

In the latter case, the solution is racism. If the non racial signals are biased against group X, then, when used in the context of those other signals, membership in group X becomes a positive signal, regardless of its independent signal. I believe there was a time when the military did precisly this for black SAT (or simmilar) score, because they found the same score tender to be smarter when it was a black person.

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

#189

Earlier quoted context omitted.

"To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with the Internal Revenue Service (IRS) . If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will acc…

Sounds good. So technically an ID is not needed. Just to make sure we are on the same page, we are equating "ID" to a physical identification card, right? Since I think that's what this conversation stemmed from. I bet those credit unions were just running my Social Security Number against a database to make sure it matched with the name, DOB, etc I provided. I wonder if there is a legal definition of "verify" when i…

Since they need to verify your address as well I presume IDing with social security card also require providing a piece of mail.

Getting someone’s social security card is hard so this plus a piece of mail or government picture IDs seem fair for an election. Basically, the banking bar.

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

#190
post #182

Earlier quoted context omitted.

As I’ve explained, it’s a solution to a problem that doesn’t need solving. Maybe it is a different situation in India, but here the people proposing voter identification laws are doing so in bad faith. They’re trying to make it harder to vote so elections are less fair, as opposed to making elections more fair by guaranteeing the sanctity of the individuals vote which is the position they’re pretending to be standing…

To make it harder a significant number of people need to have no ID. Banking require and id [1] and 93.5% of the population is banked. Most of the remainder probably has an ID for Government services that need them such as applying for food stamps, medicare, medicaid, having a job, unemployment support and social security. In Norway, my home country, it has never been an issue in our 200 years as an independent count…

Forgot link of evidence that banking require ID https://www.consumerfinance.gov/ask-cfpb/can-i-get-a-checkin...
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