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Maybe Credit Scores Shouldn't Be A Thing? – EARLY ACCESS, AD-FREE, and UNCENSORED (Patreon)

Published:
2023-04-28 19:40:01
Imported:
2026-06
Tags:

Content

Hi. In today's episode, we look at how credit scoring bureaus were originally created to track debt (among other things) in America, how they've evolved into a bad-faith tactic for the rich to exert control over poor people, and how we need to revamp the entire system so we're not using an arbitrary number to evaluate a person's worth. A human being's worth not being tied to money? Imagine that!

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Maybe Credit Scores Shouldn't Be A Thing? – EARLY ACCESS, AD-FREE, and UNCENSORED

Hi. In today's episode, we look at how credit scoring bureaus were originally created to track debt (among other things) in America, how they've evolved into a bad-faith tactic for the rich to exert control over poor people, and how we need to revamp the entire system so we're not using an arbitrary number to evaluate a person's worth. A human being's worth not being tied to money? Imagine that! Executive Producer - Katy Stoll Directed by Will Gordh Written by Erik Barnes Edited by John Conway Produced by Jonathan Harris Associate Producer - Quincy Tucker Post-Production Supervisor - John Conway Researcher - Marco Siler-Gonzales Graphics by Clint DeNisco Head Writer - David Christopher Bell Check out our MERCH STORE: https://www.teepublic.com/stores/somemorenews SUBSCRIBE to SOME MORE NEWS: https://tinyurl.com/ybfx89rh Please fill out our SURVEY: https://kastmedia.com/survey/ Subscribe to the Even More News and SMN audio podcasts here: Apple Podcasts: https://podcasts.apple.com/us/podcast/some-more-news/id1364825229 Spotify: https://open.spotify.com/show/6ebqegozpFt9hY2WJ7TDiA Stitcher: https://www.stitcher.com/show/even-more-news Follow us on social media: Twitter: https://twitter.com/SomeMoreNews Instagram: https://www.instagram.com/SomeMoreNews/ Facebook: https://www.facebook.com/SomeMoreNews/ TikTok: https://www.tiktok.com/@somemorenews Chapters: •00:00 - Intro •03:27 - Offish Definish: What is a Credit Score? •07:22 - Debt is History… but Also Still Present Somehow •13:59 - What’s the Deal With Your Specific Credit Score? •17:11 - Of Course We Can Credit Racism as to Why These Scores Shouldn’t Exist •20:48 - Enter the Spiral of Poverty •24:47 - Boomer Time: Get a Job! How Could THAT be Affected by Credit Scores? •29:40 - How Do You Fix That F*@ked ‘Fax Score? •36:23 - What Do Credit Scores Actually Reflect? Sources: https://docs.google.com/document/d/18g_gX_mBTokOWkwdtN_MhG10YPxZHZ0dbDlHDALyhYw/

Comments

jamez

Welcome back SMN crew Love y’all

Julie Scott

Welcome back! Also excited to watch this. Few things made me feel more bamboozled than when I learned credit scores didn't even exist when my parents bought thier first house.

Bree Pail

Welcome back! This looks like a good one, excited to watch!

Thereal_VanWalsh

Yesss! deep dive!!! Thank you! Please give cody a sandwich or 3

Pashion Israel

Yay! Welcome back :) Super excited for this episode.

Karen Cox

Funny you had this is a topic today. I have been in a battle with Transunion over a $524 debt they say has been referred to collections. The debt is to an energy company that does not actually provide any services to my ZIP code. The energy company agrees with this. Transunion, however, will not remove the debt from my report unless I make a police report. I reported the possibility of identity theft to the Federal Trade Commission and sent them a copy of that complaint, which is what Transunion says I should do, but they never mentioned the police report until today, in the letter I received saying they weren’t going to fix the stupid error. Did you notice that they sent me a letter? To the ZIP code that can’t get the service that I supposedly failed to pay for?

Naj

But have you guys ever just tried ignoring your debts until they go away and start over? It's a pretty good option in some situations.

The Marrow

Just subbed to the Patreon since I haven't bought merch in a few months, have you guys considered adding the ads to the back of the videos or as separate vids because I really love your content even if it is advertisement, and if I'm able to get sober I probably won't want to watch the full videos twice! Katy is my spirit animal. Loved the video, no notes.

Rick Lyter

I'm surprised Cody wasn't at least a Kangaroo With Crocs

matt rascon

Got to give you Credit. A solid and informative episode worth a Score of at least two ducks with a pitcher of sangria.

Steven Smith

I love how my credit score immediately went down after paying off a car loan. Can't be having people paying their bills on time, that's not good for them bottom line.

Thereal_VanWalsh

Still pondering this episode days later, it's so good, and very deeply unfair. Ty!

Phil Petrella

It’s odd how credit scores are supposed to be a gauge on how reliable you are in repaying your debts but when you do payoff a debt, your score goes down. It’s almost like the scores aren’t meant to reflect good repayment behavior, but instead are a guess as to how much money lenders can make off you in loan interest before you default to maximize their profits.

Tiana Hanson

I love this episode, it has so much good information. And I won't be able to listen to it more than once, because oh my GOD the chewing sounds. I have misophonia, and am barely able to handle it when Cody does the drinking ad. Great work, always glad to support y'all, but Jesus, those sounds.