Comment on How do poor people in the states give birth without money?

ozymandias117@lemmy.world ⁨1⁩ ⁨year⁩ ago

• Diprount_Tomato@lemmy.world ⁨1⁩ ⁨year⁩ ago

  Credit score? Is it like the Chinese social credit system?

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  • ozymandias117@lemmy.world ⁨1⁩ ⁨year⁩ ago

    Yeah, just the American version

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    • Diprount_Tomato@lemmy.world ⁨1⁩ ⁨year⁩ ago

      Love how everyone went insane with the social credit score while you got the same shit done to you and no one batted an eye

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      • plz1@lemmy.world ⁨1⁩ ⁨year⁩ ago

        US credit score won’t get you sent to jail or a re-education camp, at least. At least, not yet.

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      • Dran_Arcana@lemmy.world ⁨1⁩ ⁨year⁩ ago

        My favorite part is when one of the three companies that does ours leaked all of our data with relatively no consequences.

        www.ftc.gov/…/equifax-data-breach-settlement

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      • Arbiter@lemmy.world ⁨1⁩ ⁨year⁩ ago

        Well if it’s the free market abusing us it’s okay. That’s just freedom.

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      • hamsammy@lemmy.world ⁨1⁩ ⁨year⁩ ago

        I mean it’s not like your credit score immediately gets affected for something like jaywalking though.

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      • misanthropy@lemm.ee ⁨1⁩ ⁨year⁩ ago

        It can even impact being hired for jobs. Low credit score? You might be untrustworthy or motivated to steal

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      • Gigan@lemmy.world ⁨1⁩ ⁨year⁩ ago

        It’s not comparable at all. In the US your credit score only goes down if you borrow money and don’t pay it back. If you get a loan and pay it back on time your credit score will be fine.

        I’m not super familiar with the Chinese credit system, but I think it’s effected by a lot more. What kind of products you buy, how much you work, posting certain content online, etc.

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    • Norgur@kbin.social ⁨1⁩ ⁨year⁩ ago

      Not only American. We in Germany have shit like that and most other European nations have it as well afaik

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      • otter@lemmy.ca ⁨1⁩ ⁨year⁩ ago

        It exists in most places from what I can tell, but the specific implementation may differ

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    • fubo@lemmy.world ⁨1⁩ ⁨year⁩ ago

      I don’t have a credit score, and have never had a problem renting. It’s getting a mortgage that I can’t do without a partner who’s been consistently paying off a credit card for decades.

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      • ozymandias117@lemmy.world ⁨1⁩ ⁨year⁩ ago

        My credit score want good enough, so I had to give the last place I rented 6 months of my employers payments to rent

        I’ve never missed a payment, nor do I have any debt. I just don’t exist in the system enough to rent

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  • theyoyomaster@lemmy.world ⁨1⁩ ⁨year⁩ ago

    The US version is a system that calculates the risk of loaning money vs being paid back. In order to be approved for a loan the credit score is used to evaluate whether or not it is likely to be paid back within the terms of the loan. As a result those with bad credit have trouble getting favorable terms for cars, housing and basically anything that can’t be purchased outright. Does it negatively affect people for things outside of their control and perpetuate cycles of poverty? Absolutely, but it is based in actual fiscal risk to calculate sustainable loan practices.

    China on the other hand took the US term of “credit” and abused the everloving shit out of it to punish people that the government dislikes. Did your cousin post a Xi Jinping Winnie the Pooh meme? Well too bad that you were shopping for a house, because your “credit” is no longer high enough to not be homeless. You should have thought of that before you were related to someone who disagreed with the government!

    Not being able to demonstrate to a bank that you are financially reliable enough to pay back a loan is unfortunate, but a rational reason for an unfavorable interest rate or denial of a loan. Making people ineligible for even renting an apartment that is within their financial means because the dictator in charge dislikes you is a completely different thing altogether.

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  • Powerpoint@lemmy.ca ⁨1⁩ ⁨year⁩ ago

    At this point, pretty much

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  • scarabic@lemmy.world ⁨1⁩ ⁨year⁩ ago

    As the name hints, a credit score is used to rate the risk of making you a loan. It’s not some essential personal ID. It only comes into play if you are applying for credit and is a set of shared records that financial institutions and private companies use to decide if loaning you money is a good risk or not.

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  • Uranium3006@kbin.social ⁨1⁩ ⁨year⁩ ago

    yes, but in the classically American fashion we only care about money so much only the money stuff even goes into calculating it

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    • xenspidey@lemmy.zip ⁨1⁩ ⁨year⁩ ago

      Well yeah, because it’s only used when talking about loaning money…

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• moistclump@lemmy.world ⁨1⁩ ⁨year⁩ ago

  Would a hospital ever refuse you care if you have outstanding bills or hospital bills with collections?

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  • jeffw@lemmy.world ⁨1⁩ ⁨year⁩ ago

    It’s illegal in the Emergency Room. Anywhere else they can. Poor people end up relying on Emergency care, ignoring bills, and the hospitals write it off as “charity care,” which helps them justify their non-profit status, when they’re non-profits

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  • ozymandias117@lemmy.world ⁨1⁩ ⁨year⁩ ago

    Depends on the severity of the issue.

    For a life threatening emergency, no

    For like pain relief, yes

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  • ricecake@sh.itjust.works ⁨1⁩ ⁨year⁩ ago

    The hospital must stabilize you and save your life from immediate danger. They don’t have to make you better or solve the problem.

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