Birdwatch Note Rating
2023-04-30 21:35:11 UTC - HELPFUL
Rated by Participant: E8ECF8A014F9DD5E06B44BC728C57EC692C78FDEB035E133DD114B5928E2F31E
Participant Details
Original Note:
Credit scores are meant to protect institutions from poor lending individuals. It’s illegal to discriminate or build models based on race. Discrimination as a result comes from institutions and data limitations. https://www.fdic.gov/regulations/examinations/supervisory/insights/sisum05/sisummer05-article3.pdf https://hai.stanford.edu/news/how-flawed-data-aggravates-inequality-credit
All Note Details