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arthur_affect's profile
Arthur Chu
Arthur Chu
Arthur Chu
Verified account
@arthur_affect

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Arthur ChuVerified account

@arthur_affect

Mad genius, comedian, actor, and freelance voiceover artist broadcasting from the distant shores of Lake Erie (he/him)

Broadview Heights, Ohio
arthur-chu.com
Joined August 2009

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    1. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020

      Arthur Chu Retweeted Lauren McKenzie

      This... is not truehttps://twitter.com/TheMcKenziest/status/1300630506229264384 …

      Arthur Chu added,

      Lauren McKenzie @TheMcKenziest
      How betrayed were you when you found out credit scores are only for Americans?
      Show this thread
      6 replies 12 retweets 75 likes
      Show this thread
    2. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020

      You can qualify the statement down into something that is more true -- "In many countries like the UK the concept of a credit rating is much more limited in scope and can't be boiled down to a single numerical score" -- but then you don't get the clicks

      4 replies 6 retweets 50 likes
      Show this thread
    3. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020

      The fact that OP is protesting in the comments that what she's saying is defensible on a technicality ("the best kind of correct!") but obviously people aren't reading it that way and she still hasn't deleted it is why the Internet sucks and has made us less informed than we were

      3 replies 4 retweets 54 likes
      Show this thread
    4. Vapor Weyve‏ @Nymphomachy 2 Sep 2020
      Replying to @arthur_affect

      Yeah I shouldn't have RTed it but also I think "Americans are exceptional in having credit scores" is a stupid burying of the lede anyway Like the point should be "the number of living humans who are beholden to credit scores is an unlucky minority and you belong to it"

      1 reply 0 retweets 3 likes
    5. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @Nymphomachy

      Enh There are certainly countries in the world where there's a stronger social safety net so the idea of doing a credit pull of a single score to get a job or rent an apartment isn't a thing

      2 replies 0 retweets 2 likes
    6. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @arthur_affect @Nymphomachy

      But even then it's kind of overstating the case to say that in those countries there's no such thing as good or bad credit -- the previous iteration of this meme said "If you just pay the rent they have to let you live there", which isn't true anywhere

      1 reply 0 retweets 2 likes
    7. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @arthur_affect @Nymphomachy

      France doesn't have a credit rating agency but they still check your income and debt records and you can still get an apartment denied to you if you have too many unpaid bills on your record and have been blacklisted

      1 reply 0 retweets 2 likes
    8. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @arthur_affect @Nymphomachy

      The real innovation American banks started was the idea of making it a number that goes up or down, whereas the previous bureaucratic solution was just a blacklist where you're either on it or off

      1 reply 0 retweets 2 likes
    9. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @arthur_affect @Nymphomachy

      The latter is, probably, a less oppressive system than what the American one has become but at the time the idea was that a score was a more sophisticated and less punitive system than just a black and white "deadbeat or not" system

      1 reply 0 retweets 2 likes
    10. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @arthur_affect @Nymphomachy

      Also I would say the real issue is that given the population of the Earth as a whole, having ready access to a credit system at all puts you in a minority of humans, and people in the majority who don't are oppressed by that fact

      1 reply 0 retweets 2 likes
      Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
      Replying to @arthur_affect @Nymphomachy

      (This is what Kiva and all the other microlending sites are about Although it's less even *credit* than it is the reputation system There's plenty of places in the world where if you show up in a new city and want to rent a place you're just SOL)

      2:08 AM - 2 Sep 2020
      • 1 Like
      • Vapor Weyve
      1 reply 0 retweets 1 like
        1. New conversation
        2. Arthur Chu‏Verified account @arthur_affect 2 Sep 2020
          Replying to @arthur_affect @Nymphomachy

          ("I don't know you, I don't trust you, you can't live here", with no bureaucratic requirement that you de able to argue back with any kind of official record Kinship ties and social circles are much more important in such a society for being able to do anything at all)

          1 reply 0 retweets 1 like
        3. Vapor Weyve‏ @Nymphomachy 2 Sep 2020
          Replying to @arthur_affect

          I guess I'm overthinking this, or underthinking it Like to me the significance is that we're culturally indoctrinated to think of credit scores as a universal, global inevitability when in fact people who have them are outnumbered by people who don't

          1 reply 0 retweets 1 like
        4. Show replies

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