China might use data to create a score for each citizen based on how trustworthy they are

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We don’t check our scores Despite the importance of credit, many Americans take a hands-off approach to their credit scores. The National Foundation for Credit Counseling NFCC found that, as of March , 44 percent of adults had not received their credit score within the previous 12 months. According to a survey by the Consumer Federation of America CFA and VantageScore, however, only 32 percent of Americans have never obtained a copy of their free credit report, and 16 percent have not received a copy in the last three years.

It is the process by which a company requests data in MCC ecosystem. When a company requests personal data, MCC network collects data from social media, telecommunication companies, public institutions, financial institutions, etc., with individual’s approval.

Can’t I just pay a one time fee for this? Yes, it is possible to purchase your credit score one time for a fee. However, you should take into account the fact that your credit file is constantly changing. This means that your credit score is always changing as well. As such, we recommend that consumers check their credit report and credit scores at least once per quarter and more frequently if you are actively shopping for a loan.

We also recommend that you receive your credit reports at the same time as your scores because the information on your credit report is what is used to determine your credit score in the first place, and is generally far more important than the score itself. See our credit monitoring reviews if you want to keep regular tabs on your credit score and report.

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The interest rate on a card you already have might skyrocket, too. But I let the D-word off too easily by focusing strictly on how to protect your assets. Many of the women I heard from said it took them months — sometimes years!

Credit scores are key to determining whether you’ll qualify for a mortgage, loan or credit card and how much interest you’ll pay. The higher your score, the more likely you’ll be approved for a favorable loan.

Like Craig who posted and claimed to work for the fico. The higher interest rates a bank can charge and the more fees, the more money they make. I opened a charge card to raise my score but it continues to drop. I had to look to see why. Called a mortgage broker about a loan. She did ask if she could run my credit which I said yes. But, she actually did me a favor because I then ran that company through a google search and found it was one of the worst companies to deal with.

On credit cards, some are designed to keep you in that vicious cycle of almighty fees and lower fico scores. Get a card with a 24, 25 or even 28 day cycle, it always changes and makes it harder to keep track of. You get hit with a late fee. Let that happen again and maybe your credit score gets dinged again. When we have homes going up in price so quickly, making the down payment something more of a fantasy than reality, the fall back is renting which is one of the modern slavery bonds of this society.

China ‘social credit’: Beijing sets up huge system

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Social trends Since the s, Internet dating has become more popular with smartphones. The stigma associated with online dating dropped over the years and people view online dating more positively. Further, during this period, the usage among to year-olds tripled, while that among to year-olds doubled. Online introduction services In , a variation of the online dating model emerged in the form of introduction sites, where members have to search and contact other members, who introduce them to other members whom they deem compatible.

Introduction sites differ from the traditional online dating model, and attracted a large number of users and significant investor interest. Such sites earn revenue from a mix of advertising and sale of additional options. This model also allows users to switch between free and paying status at will, with sites accepting a variety of online currencies and payment options.

Since advertising revenues are modest compared to membership fees, this model requires a large number of page views to achieve profitability. However, Sam Yagan describes dating sites as ideal advertising platforms because of the wealth of demographic data made available by users. While some sites conduct background checks on members, many do not, resulting in some uncertainty around members’ identities.

For instance, some profiles may not represent real humans but rather “bait profiles” placed online by site owners to attract new paying members, or “spam profiles” created by advertisers to market services and products. Profiles created by real humans also have the potential to be problematic. For example, online dating sites may expose more female members in particular to stalking , fraud , and sexual violence by online predators.


Always, always, pay your bills on time. Late payments and collections can have serious consequences on your credit score. Do not apply for credit too frequently. This will decrease your credit score because this is a characteristic of high credit risk groups.

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Caron Song 0 Comments alibaba , amazon , big brother , china , citizen score , data mining , facebook , good behavior , Google , national security agency , nsa , online , punishment , reward , scs , social credit system , surveillance , trustworthiness You are more than a number. How many times have you heard that phrase ever since starting college? Hopefully not too many.

What are these ratings used for? If your rating drops too low, you could be banned from buying tickets for domestic flights. This outlandish scenario sounds like something straight out of a futuristic dystopian novel or an episode of Black Mirror Nosedive, anyone? Millions of people are piloting the system for ongoing development and research purposes right now, but the program is expected to be fully operational by and participation is mandatory.

The first three are standard: Sounds nice in theory, right? Alibaba classifies conversations containing positive energy as those with nice messages about the government or how well the economy is doing thanks to the government! The NSA breathes down our necks while Amazon recommends us a shopping cart of goods. For example, you might be nicer to your Uber driver if you see that their online rating is high, or you might deem someone to be friendly based on their Facebook profile.

Instead of waving around a big stick and dishing out threats, the Chinese government commands obedience by creating a naughty-or-nice system to incentivize Chinese citizens to put on their best behavior for more than just Christmas. China is merely taking the first outward step towards using something that has always been lurking in the shadows.

China might use data to create a score for each citizen based on how trustworthy they are

Continue reading the main story The business taps into a formidable coalition of private groups and officials promoting nontraditional forms of public education. The growth of for-profit online schools, one of the more overtly commercial segments of the school choice movement, is rooted in the theory that corporate efficiencies combined with the Internet can revolutionize public education, offering high quality at reduced cost.

Instead, a portrait emerges of a company that tries to squeeze profits from public school dollars by raising enrollment, increasing teacher workload and lowering standards. Current and former staff members of K12 Inc.

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Is It OK for Women to Ask for Men’s Credit Scores?