when the ratings go up or down its a "we".
I didn't suggest there wasn't a "we". I asked you to explicitly state who "we" are. Who do you claim to speak for?
when the ratings go up or down its a "we".
This is fundamentally flawed, because the whole point is that the credit ratings aren't being applied fairly or equitably. It is not "rational and correct" to view people as credit ratings only, and those with poor ratings are too much of a risk.Sure, but that's not at all an issue with the standards. That's a completely separate issue with why so many black people are poor and have bad credit ratings. The reasons for the credit ratings being low need to be looked at and addressed, not the completely rational and correct view that people of any race with poor credit ratings are too much of a risk to lend to.
All other things being equal, if race is the only reason for the disparity, then that's wrong and needs to be addressed.
The quality of dr who dipped after Matt smithautomatically? Perhaps not. But when Jodie Whittaker got the role of the Dr., there was a pretty big backlash among male viewers who were upset. The same male viewers who filled up the interwebs with joy that the ratings dropped as punishment for hiring a woman in a man's traditional role*. Celebrating how "we" sent a message to the woke folks that "go woke, go broke".**
So they aren't really off base all that much, and it's a pretty safe bet, even if there are exceptions.
*That completely ignored how the rating fell with Peter Capaldi, not Josie, but accuracy doesn't really stop jerks from being jerks.
** another very common phrase that also isn't true, but doesn't stop people from using it.
I have no patience for this mindset, I'm sorry. You're tired of seeing it on TV, others are tired of living it and being ignored about it. Guess who I have sympathy for, and who I don't.The Oscars have had abysmal ratings for years. Last year wasn't really much of an anomaly.
When I watch the Oscars, I want to see the best Actor/Actress thank their producer, director, acting coach, dog, cat, armadillo and mother. I don't want to see them talk about their pet political stance of the year. That goes for both stances I agree with and stances I disagree with. Which is why I haven't watched in 20ish years.
Sam doesn't have a bad credit rating, though. He just has a 5-year blank that unarguably has nothing to do with his reliability or fiscal viability, and he has government contracts, and his sister is financially stable, and the business is an established business and pillar of the community looking for a simple consolidation loan, and it has a proven track record of success with no reason to think that wouldn't be the case again with a working boat and simplified debt structure.Granted, even somebody who looks like Steve would be rejected if he had Sam's credit rating.
This is quite right, however. I know Hispanic families that only send the whitest, best at doing a "white voice" member of the family to do business with banks or other potential debt holders. Because when they do otherwise, with the same financial information, they get screwed. And they still get less benefit of the doubt than I get, with less credible financial information, because I have a very anglo name and appearance.But more often than not, the guy with Sam's credit rating looks like Sam, not like Steve. Even if applied equally, these standards disproportionately disqualify black people. And the real world is worse. Have you heard that with record low interest rates, lots of people want to refinance their mortgages yet black people are either refused in a bigger proportion or only offered worse rates than their current ones?(Source) That there is a list of "Worst banks to borrow from if you are Black/Hispanic"? (Source)
There is no such thing as all other things being equal. Race is never the only reason for the disparity, when investigated from the outside, because life and people are messy, and these kinds of things are difficult to prove. This sort of demand serves only to keep the status quo in place.Sure, but that's not at all an issue with the standards. That's a completely separate issue with why so many black people are poor and have bad credit ratings. The reasons for the credit ratings being low need to be looked at and addressed, not the completely rational and correct view that people of any race with poor credit ratings are too much of a risk to lend to.
All other things being equal, if race is the only reason for the disparity, then that's wrong and needs to be addressed.
Did you never read any of the times Cap stopped being Cap? Because pretty much every one was blatantly political, with only the real world thing being referring to being somewhat obfuscated by a thing veil of being directly about a thing that only exists in comics, like mutant rights or mutant registration, or Cap finding out that the government had done [obvious reference to CIA or US military crimes couched in fantastical circumstances].Captain America was one of my favorite comics when I was younger. I rarely got this sort of thing in it, despite Cap standing for right and justice. Same with Superman, who also stood for right and justice. It happened on occasion, but it wasn't prevalent.
Can you show where when a black person misses a car payment it hits him worse than when a white person misses a car payment? If so, then I will agree that is wrong.This is fundamentally flawed, because the whole point is that the credit ratings aren't being applied fairly or equitably. It is not "rational and correct" to view people as credit ratings only, and those with poor ratings are too much of a risk.
Yes. All of those are economic basis for credit score. Again, though, the issue is with the economics of where black people live(poorer areas), with their incomes, and credit history. Those need to be corrected, because if a black person lived in my neighborhood and had my credit history, and my home history, he would have a very good credit score.When PoC are being rated worse than white counterparts (for reasons including but not limited to: creating policies that keep PoC in poverty like bus line routes, educational opportunities, job opportunities, DMV locations, etc), then you absolutely can't go by credit ratings alone. That's the problem. Do you know how credit ratings are given? Not being snarky, legit question. Did you know a large part of your credit score is based on things that have nothing to do with how responsible you are, but for things like where you live? What kinds of homes you've owned (if any)? Etc?
The solution is to help change the poorer areas into areas that aren't so poor. Not create a system where we can have another financial collapse, because we are giving loans to people who can't pay them back."People in poor areas are too much of a risk. Hey, we just go by credit score, so we can't be racist. Just so happens we create policies to keep PoC in the poor areas."
None of this is true by the way. No one is fleeing California and NY due to politics.Real world evidence people are sick of it-California is on the verge of losing a political seat. People are fleeing this state due to cost of living due to politics. Big deal you say-it’s the first time in history this has happened. People are fleeing New York City for similar reasons (the mayor of
cnn ratings in toilet
back to the falcon-real world let’s say majority of the banks declines are minorities. Are we saying the federal government which audits the banks is complicit. The media is also complicit?
I find it bewildering that after all these years anybody might thing they could post an anti-inclusive political rant and not get immediately booted into high orbit. I mean, you've been here for 12 years, and you haven't cottoned on yet? And yet here we are. Dn't post in this thread again.when the ratings go up or down its a "we". the we is the reason Dr who ratings went into the toilet , its the reason batwoman is in the toilet, star trek not resonating in ratings
this is both sides fyi-Politicians don't like a certain person on tv the try and threaten the advertisers . advertisers then have to weigh the risks of losing money
if certain we's don't like you they destroy you on twitter and you basically become a modern day wicth or scarlet letter
the nba tried this last year and the rating went down. football is trying to grasp it /baseball is avoiding it
the whole world just watched what happens when you mess with soccer (unrelated but same principle as its a "we" )
when the Oscars/awards how started politics etc the ratings went down
back to the real world here- the steve rogers guy goes to the bank to open his autobody shop-no questions asked? im calling BS on this
first thing -Steve rogers gets a credit check. strike one and maybe the only 1 if its bad. in many situations what happens is people who have good credit and live in areas not as privedleged get taken advantage of by older family members when they are of credit age .Same goes if employment especially if he wants to work in finance. If you cant manager your own money they don't want you managing theirs
Steve rogers wants to open a handburger stand and wants to buy the stand from the current owner (lets say its tony stark). Tony wants money down and a contract. If Steve goes to the bank he presents tax returns and assets statements. If those are empty hes not getting the loan unless the government backs 1/2 the loan and then its a short term loan which is done through a bank
If this was a major problem (in the us as I cant speak for overseas) then we would know about it
Redlining is a crime
theres thousands of these types of crime-Its fairly easy for these banks to get caught and they would pay huge penalties for doing this. we are no longer living in the wild west
exact opposite-we in the usa have institutions of higher learning (top ivy league) delibertly limiting a certain race (because they would most likely be the majority race in these institutions. that's racism!