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Cake day: September 28th, 2023

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  • Your credit, which is a fancy name for the profile that financial companies build on you to determine whether you are able to pay back loans. When you apply for a credit card, get a loan, rent an apartment, or buy a car, the seller will look at your credit to determine whether you are a risk of not paying and will use this info to set interest rates and payment plans.

    Locking your credit means preventing these financial institutions from releasing your financial information to people who request it. This will prevent malicious actors from opening lines of credit in your name, but it will also prevent you from doing so as well.

    Unfortunately in the US we can’t tell a single entity that we do not want this information released. We need to inform multiple entities not to release this info since they are all independent.















  • For a brief moment I worked in that industry as a programmer. The whole point is not to find the most qualified candidate but to find the one that fits into the company culture the most in order to reduce turnover. These algorithms will throw away applications from people of color because they have “behaviors not in line with the company culture” or applications from disabled people because they would “not react properly to certain situations”.

    Of course they aren’t explicitly rejecting these people, but the questions and answers on the tests for applications are specifically and painstakingly crafted to filter out these people without making it clear what type of person the question is trying to filter out.

    This doesn’t necessarily have to do with the AI in question, but my point is that the entire hiring/firing process is totally fucked, and companies are constantly looking for ways to get around discrimination laws.