Birdwatch Note Rating
2023-04-30 02:54:17 UTC - NOT_HELPFUL
Rated by Participant: FC9EF20D9DEDFF99E55B97305AA8B6ED9BE74699B3F84E59A80DA62425D950F6
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