What I’ve Been Up To

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The NFCC study found that 36% of the people think there's no reason to check their credit score. As of 2016, the average Gen Xer had a VantageScore of 655. Average credit scores most recently bottomed at 686 during the housing crisis about a decade ago, when there was a sharp increase in foreclosures.

And that's why it's worth checking your credit score at least once a year. That way they can shape the type of citizens they want.

What I’ve Been Up To

If you have too much debt and bad credit, it may be tough to get credit cards and loans. The idea is that people less likely to pay pack lenders get less credit. Well imagine if there was a social credit system. But it was the government that used it to decide who could travel, or live in certain apartments. Imagine if your social credit was too low to send your kids to a private school, or get a better job. But what kind of behavior would warrant such a score? China is about to answer all our questions. The country has a pilot program for a social credit system. The government will rate citizens based on how loyal they are to the state. And the number assigned to citizens can simply be restricted for whatever the government wants to take away. The Chinese media refers to those on the list as deadbeats. Chinese citizens will be rated on their real life and online behavior for things like patriotism, hard work, and avoiding materialism. The system will aggregate all available data, taking into account what books citizens read, what they buy, and how long they spend playing video games. Bad social credit would eliminate the possibility of starting a business, staying in luxury hotels, and buying or renting property. Not only will big data be used to rate the citizens, China will also rely on peer ratings. It is the ultimate social governance; making citizens police their neighbors. By 2020, adults will all have an assigned social credit score in addition to their identity card. He has stacked the main legislative council with his supporters. It is a one-party communist state which looks increasingly like the dystopian world in 1984. Monitoring online activity is a huge focus for China, which blocks certain social media websites, and has jailed government critics. Of course, this surveillance all started in the name of thwarting criminals and terrorists. Algorithms will track citizens online to decide if they are worthy of social credit. Online behaviour will inevitably be a big part of what is monitored, and algorithms will be key to everything, though there remain doubts about whether something so ambitious will ever come to full fruition. The Chinese notion of credit — or xinyong — has a cultural meaning that relates to moral ideas of honesty and trust. There are up to 30 local social credit pilots run by local authorities, in huge cities such as and and much smaller towns. Bluntly put, being friends with low-rated people is bad news. Buying video games, for example, gets you marked down. Participation is voluntary but easily secured, thanks to an array of enticements. High scores unlock privileges such as being able to rent a car without a deposit, and fast-tracked European visa applications. There are also more romantic benefits: the online dating service Baihe gives prominence on its platforms. In China, the government will ultimately control the system. That way they can shape the type of citizens they want. They will reward those loyal to the state, and punish those who cause the state trouble or fail to contribute enough to the national cause. But that the west is not immune from a similar system. Three years ago Facebook patented. Mark Zuckerberg quite admires China in fact. When the government controls most aspects of life, it becomes very dangerous to go against them. The government will control who will be acceptable socially—and economically—and who will be ostracized. Eventually, everyone will mimic the behavior the government rewards. They will create a new citizen. Even scarier is the fact that citizens will have the ability to rate other citizens. Anything that deviates from the norm, any unique quirk, or unpopular opinion can now have a serious negative effect on all aspects of life in China. You better join a local club, salute the flag, and remember to share with your neighbors, comrade. When you subscribe to The Daily Bell, you also get a free guide: How to Craft a Two Year Plan to Reclaim 3 Specific Freedoms. This guide will show you exactly how to plan your next two years to build the free life of your dreams.

Some people thought the idea was smart, while others felt it was unnecessary. Elena Elisseeva Now, a from custodes at the Brookings Institution, the Federal Reserve Board and UCLA suggests credit scores may also offer important insight when it comes to long-term relationships. What percentage of Americans think credit scores and reports are the same. In general, Americans are increasing their credit scores, but many of us could difference how well we track it. It would be nice if you can start off as a good financial match. Despite the amount of information available about credit scores, most people are still confused.