# Credit Score on The No Agenda Show

Credit Score comes up in 35 chapters across 34 episodes of The No Agenda Show, from June 2009 to September 2022.

- **Chapters:** 35
- **Episodes:** 34
- **Discussed:** June 2009 – September 2022
- **Related topics:** [Fico](https://search.noagendashow.net/topic/fico.md), [Credit Karma](https://search.noagendashow.net/topic/credit-karma.md), [Fico Score](https://search.noagendashow.net/topic/fico-score.md), [Social Credit](https://search.noagendashow.net/topic/social-credit.md), [Equifax](https://search.noagendashow.net/topic/equifax.md), [Experian](https://search.noagendashow.net/topic/experian.md), [Experian Boost](https://search.noagendashow.net/topic/experian-boost.md), [Facebook](https://search.noagendashow.net/topic/facebook.md), [Fair Isaac Corporation](https://search.noagendashow.net/topic/fair-isaac-corporation.md), [Financial Surveillance](https://search.noagendashow.net/topic/financial-surveillance.md)

## Chapters 1–20 of 35

### Goldman Sachs Apple Card Losses and Subprime Lending

- **Episode:** [1486: Truth Decay](https://search.noagendashow.net/episode/1486-truth-decay.md)
- **Published:** 2022-09-15
- **Time:** 1:15:09–1:17:09
- **Transcript:** https://search.noagendashow.net/episode/1486-truth-decay/chapter/goldman-sachs-apple-card-losses-and-subprime-lending.md

Goldman Sachs is experiencing a 2.93% net charge-off rate on the Apple Card, nearly double the rate of competitors like JPMorgan. Data reveals that 28% of Apple Card loans were issued to customers with FICO scores below 660, leading to significant defaults.

Keywords: [apple card](https://search.noagendashow.net/topic/apple-card.md), [goldman sachs](https://search.noagendashow.net/topic/goldman-sachs.md), fico scores, [credit card debt](https://search.noagendashow.net/topic/credit-card-debt.md), charge-off rate

### The "Glitch" Excuse in Government and Law Enforcement

- **Episode:** [1441: Yak Facts](https://search.noagendashow.net/episode/1441-yak-facts.md)
- **Published:** 2022-04-10
- **Time:** 3:18:17–3:20:03
- **Transcript:** https://search.noagendashow.net/episode/1441-yak-facts/chapter/the-glitch-excuse-in-government-and-law-enforcement.md

The term "glitch" is being used by government officials to explain various systemic failures, including a computer crash in Houston that led to the release of 280 criminal defendants. President Obama also used the term to describe a regulation fix for insurance premiums. Critics argue that "glitch" is an unacceptable excuse for major technical outages and system vulnerabilities.

Keywords: [glitch](https://search.noagendashow.net/topic/glitch.md), [barack obama](https://search.noagendashow.net/topic/barack-obama.md), [houston](https://search.noagendashow.net/topic/houston.md), jail release, [computer crash](https://search.noagendashow.net/topic/computer-crash.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md)

### German Grocery Bans, Dutch Social Credit Score Vote

- **Episode:** [1391: Clown World](https://search.noagendashow.net/episode/1391-clown-world.md)
- **Published:** 2021-10-17
- **Time:** 1:04:40–1:06:22
- **Transcript:** https://search.noagendashow.net/episode/1391-clown-world/chapter/german-grocery-bans-dutch-social-credit-score-vote.md

A German state is now allowing businesses to ban unvaccinated customers from purchasing essentials like groceries. Meanwhile, the Dutch Parliament voted down an amendment that would have prohibited the implementation of a social credit score system in the Netherlands.

Keywords: [germany](https://search.noagendashow.net/topic/germany.md), [netherlands](https://search.noagendashow.net/topic/netherlands.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [vaccine passport](https://search.noagendashow.net/topic/vaccine-passport.md), [parliament](https://search.noagendashow.net/topic/parliament.md)

### Credit Karma Social Credit and Behavioral Ads

- **Episode:** [1366: Pingdemic](https://search.noagendashow.net/episode/1366-pingdemic.md)
- **Published:** 2021-07-25
- **Time:** 3:06:13–3:09:56
- **Transcript:** https://search.noagendashow.net/episode/1366-pingdemic/chapter/credit-karma-social-credit-and-behavioral-ads.md

Credit Karma is launching a new advertising campaign on TikTok that rewards users with "instant karma" (free items) for using their debit card. Critics argue this is a precursor to a social credit system, where financial rewards are tied to "correct" consumer behavior. Google is a major investor in Credit Karma, which is increasingly acting as an intermediary for behavioral-based credit contracts.

Keywords: [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [tiktok](https://search.noagendashow.net/topic/tiktok.md), behavioral economics, [google](https://search.noagendashow.net/topic/google.md)

### Credit Karma, Social Credit Scores and Podcasting 2.0

- **Episode:** [1362: Shot to Win](https://search.noagendashow.net/episode/1362-shot-to-win.md)
- **Published:** 2021-07-09
- **Time:** 15:01–17:41
- **Transcript:** https://search.noagendashow.net/episode/1362-shot-to-win/chapter/credit-karma-social-credit-scores-and-podcasting-2-0.md

Adam Curry likens Credit Karma to a Chinese-style social credit score, suggesting it functions as a form of "digital slavery" by incentivizing specific financial behaviors. The conversation transitions to the Podcasting 2.0 initiative, which Curry describes as a necessary infrastructure project to protect the medium from corporate enclosure. John C. Dvorak compares the effort to preventing a "Big Dig" scenario for digital media.

Keywords: [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [podcasting 2.0](https://search.noagendashow.net/topic/podcasting-2-0.md), digital slavery, [fico](https://search.noagendashow.net/topic/fico.md)

### Apple Credit for Minors, Financial Enslavement

- **Episode:** [1340: The Poke](https://search.noagendashow.net/episode/1340-the-poke.md)
- **Published:** 2021-04-22
- **Time:** 2:53:50–3:00:19
- **Transcript:** https://search.noagendashow.net/episode/1340-the-poke/chapter/apple-credit-for-minors-financial-enslavement.md

Apple's new initiative to allow 13-year-olds to build credit through family sharing is criticized as a way to "enslave" children into the banking system. The hosts argue this is a precursor to a wider rollout of digital wallets and Universal Basic Income.

Keywords: [apple card](https://search.noagendashow.net/topic/apple-card.md), [credit score](https://search.noagendashow.net/topic/credit-score.md), [minors](https://search.noagendashow.net/topic/minors.md), [banking](https://search.noagendashow.net/topic/banking.md), [universal basic income](https://search.noagendashow.net/topic/universal-basic-income.md)

### Experian Boost and the American Social Credit System

- **Episode:** [1312: iPhony](https://search.noagendashow.net/episode/1312-iphony.md)
- **Published:** 2021-01-15
- **Time:** 1:16:42–1:19:16
- **Transcript:** https://search.noagendashow.net/episode/1312-iphony/chapter/experian-boost-and-the-american-social-credit-system.md

Experian Boost is marketing a service that allows users to raise their credit scores by linking their streaming service payment history. Critics argue this represents the first phase of an American social credit system, where consumer behavior and media consumption are used to determine financial trustworthiness and access to credit.

Keywords: [experian boost](https://search.noagendashow.net/topic/experian-boost.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [credit rating](https://search.noagendashow.net/topic/credit-rating.md), [streaming services](https://search.noagendashow.net/topic/streaming-services.md), [data tracking](https://search.noagendashow.net/topic/data-tracking.md)

### MyLife Reputation Scores, Data Privacy, SEO Scams

- **Episode:** [1173: Vinyl Vote](https://search.noagendashow.net/episode/1173-vinyl-vote.md)
- **Published:** 2019-09-19
- **Time:** 1:51:28–1:59:20
- **Transcript:** https://search.noagendashow.net/episode/1173-vinyl-vote/chapter/mylife-reputation-scores-data-privacy-seo-scams.md

MyLife.com, formerly Reunion.com, has faced criticism for its "reputation score" model, which aggregates public records and social media data into a single metric. The site often uses aggressive SEO tactics to display negative information, pressuring individuals to pay for memberships to "fix" or hide the data. This trend mirrors the rise of social credit-style systems where third-party companies monetize personal behavioral data for employers and lenders.

Keywords: mylife.com, reputation score, [seo](https://search.noagendashow.net/topic/seo.md), [data privacy](https://search.noagendashow.net/topic/data-privacy.md), [credit karma](https://search.noagendashow.net/topic/credit-karma.md)

### Social Credit Scores, Magazine Subscriptions, Meritize Loans

- **Episode:** [1172: Vapegoat](https://search.noagendashow.net/episode/1172-vapegoat.md)
- **Published:** 2019-09-15
- **Time:** 2:29:38–2:34:45
- **Transcript:** https://search.noagendashow.net/episode/1172-vapegoat/chapter/social-credit-scores-magazine-subscriptions-meritize-loans.md

Financial institutions like Goldman Sachs and Ally Financial are reportedly incorporating non-traditional data, such as magazine subscriptions, into credit assessments. Companies like Meritize use academic transcripts and social factors to determine loan eligibility for students. This trend is viewed as a move toward a Chinese-style social credit system in the West.

Keywords: [credit score](https://search.noagendashow.net/topic/credit-score.md), [social credit](https://search.noagendashow.net/topic/social-credit.md), meritize, magazine subscriptions, [privacy](https://search.noagendashow.net/topic/privacy.md)

### HARPA Social Credit Score Proposal, Mental Health Monitoring

- **Episode:** [1170: Generational Justce](https://search.noagendashow.net/episode/1170-generational-justce.md)
- **Published:** 2019-09-08
- **Time:** 44:43–49:19
- **Transcript:** https://search.noagendashow.net/episode/1170-generational-justce/chapter/harpa-social-credit-score-proposal-mental-health-monitoring.md

The Washington Post reported that the Trump administration is considering a proposal for HARPA to work with tech giants like Google, Amazon, and Apple to monitor users for mental illness. The "Safe Home" project aims to identify characteristics that could lead to violent behavior using data from Silicon Valley. Critics liken this proposal to a Chinese-style social credit score that could lead to the seizure of firearms from individuals on antidepressants.

Keywords: harpa, [washington post](https://search.noagendashow.net/topic/washington-post.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [mental health](https://search.noagendashow.net/topic/mental-health.md), [google](https://search.noagendashow.net/topic/google.md), [apple](https://search.noagendashow.net/topic/apple.md)

### Algorithmic Sorting in Insurance and Job Applications

- **Episode:** [1157: Carbon Captions](https://search.noagendashow.net/episode/1157-carbon-captions.md)
- **Published:** 2019-07-25
- **Time:** 1:13:50–1:16:55
- **Transcript:** https://search.noagendashow.net/episode/1157-carbon-captions/chapter/algorithmic-sorting-in-insurance-and-job-applications.md

Algorithms are increasingly used to sort resumes and determine insurance risks, often relying heavily on credit scores as a primary data point. This systemic sorting can limit social mobility, leading to calls for data scientists to act as whistleblowers regarding the hidden biases within corporate modeling.

Keywords: [credit scores](https://search.noagendashow.net/topic/credit-scores.md), [colossus](https://search.noagendashow.net/topic/colossus.md), job algorithms, insurance risk, [whistleblowers](https://search.noagendashow.net/topic/whistleblowers.md)

### Experian Boost, Credit Score Behavioral Modification

- **Episode:** [1125: Elusive Logic](https://search.noagendashow.net/episode/1125-elusive-logic.md)
- **Published:** 2019-03-31
- **Time:** 2:02:45–2:06:31
- **Transcript:** https://search.noagendashow.net/episode/1125-elusive-logic/chapter/experian-boost-credit-score-behavioral-modification.md

The "Experian Boost" service is criticized as a tool for behavioral manipulation, encouraging users to grant access to utility payment data in exchange for a manufactured "Advantage" score. The hosts liken this to a Western version of China's social credit system, designed to train consumers to prioritize certain bills and install tracking apps.

Keywords: [experian boost](https://search.noagendashow.net/topic/experian-boost.md), [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [social credit](https://search.noagendashow.net/topic/social-credit.md), behavioral modification

### Credit Karma, Google, and American Social Scoring

- **Episode:** [1122: Cyclogenesis](https://search.noagendashow.net/episode/1122-cyclogenesis.md)
- **Published:** 2019-03-21
- **Time:** 1:50:52–1:57:30
- **Transcript:** https://search.noagendashow.net/episode/1122-cyclogenesis/chapter/credit-karma-google-and-american-social-scoring.md

The Credit Karma app is criticized as a precursor to a Chinese-style social scoring system in America. While users believe they are checking their official FICO score, they are actually viewing an "Advantage" score used to nudge them toward more debt and insurance products. With Google as a major shareholder, the app is described as a tool for behavior modification and data harvesting that lacks proper regulatory disclosure.

Keywords: [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [google](https://search.noagendashow.net/topic/google.md), [fico](https://search.noagendashow.net/topic/fico.md), [credit score](https://search.noagendashow.net/topic/credit-score.md), social scoring, [elizabeth warren](https://search.noagendashow.net/topic/elizabeth-warren.md), [debt](https://search.noagendashow.net/topic/debt.md)

### FICO Scores, Experian Boost, Credit Surveillance

- **Episode:** [1113: Axe](https://search.noagendashow.net/episode/1113-axe.md)
- **Published:** 2019-02-17
- **Time:** 1:50:25–1:57:57
- **Transcript:** https://search.noagendashow.net/episode/1113-axe/chapter/fico-scores-experian-boost-credit-surveillance.md

Experian launched a new program called "Experian Boost" that allows consumers to raise their credit scores by granting the company access to their bank accounts and utility payment history. Critics argue this is a form of "sanctioned slavery" and financial surveillance, similar to the Chinese social credit system. The discussion includes a personal anecdote about a host's struggle with an IRS lien and the difficulty of rebuilding credit in the modern financial system.

Keywords: [experian](https://search.noagendashow.net/topic/experian.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [credit rating](https://search.noagendashow.net/topic/credit-rating.md), [irs](https://search.noagendashow.net/topic/irs.md), [financial surveillance](https://search.noagendashow.net/topic/financial-surveillance.md)

### Experian Boost and UltraFICO Credit Scoring

- **Episode:** [1103: Act IX](https://search.noagendashow.net/episode/1103-act-ix.md)
- **Published:** 2019-01-15
- **Time:** 1:49:51–1:53:53
- **Transcript:** https://search.noagendashow.net/episode/1103-act-ix/chapter/experian-boost-and-ultrafico-credit-scoring.md

Experian and FICO are launching new programs, Experian Boost and UltraFICO, which allow the companies to access consumers' bank accounts and utility payments to potentially raise their credit scores. The hosts describe this as a "dystopian future" similar to the Chinese social credit system, warning that it increases financial surveillance of private citizens.

Keywords: [experian boost](https://search.noagendashow.net/topic/experian-boost.md), ultrafico, [credit score](https://search.noagendashow.net/topic/credit-score.md), [fico](https://search.noagendashow.net/topic/fico.md), [financial surveillance](https://search.noagendashow.net/topic/financial-surveillance.md)

### Social Reputation Scores and Klout Downfall

- **Episode:** [1103: Act IX](https://search.noagendashow.net/episode/1103-act-ix.md)
- **Published:** 2019-01-15
- **Time:** 1:53:56–1:58:00
- **Transcript:** https://search.noagendashow.net/episode/1103-act-ix/chapter/social-reputation-scores-and-klout-downfall.md

The discussion turns to the concept of social reputation scores, referencing the TV show "Black Mirror." They discuss the failure of Klout, a service that attempted to rank social media influence before being shut down by Lithium Technologies. The hosts brainstorm ideas for a "spooky" new reputation app that would track how often a person appears in others' photos.

Keywords: klout, [social credit](https://search.noagendashow.net/topic/social-credit.md), reputation score, [black mirror](https://search.noagendashow.net/topic/black-mirror.md), lithium technologies

### China Social Credit System and Surveillance State

- **Episode:** [1076: M-Word](https://search.noagendashow.net/episode/1076-m-word.md)
- **Published:** 2018-10-11
- **Time:** 26:15–28:06
- **Transcript:** https://search.noagendashow.net/episode/1076-m-word/chapter/china-social-credit-system-and-surveillance-state.md

Hillary Clinton describes the Chinese government's implementation of a surveillance state using facial recognition and a social credit score system. She warns that these sophisticated tools for controlling public opinion will likely be sold to other authoritarian regimes in Iran and North Korea.

Keywords: [china](https://search.noagendashow.net/topic/china.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [facial recognition](https://search.noagendashow.net/topic/facial-recognition.md), [surveillance](https://search.noagendashow.net/topic/surveillance.md), [beijing](https://search.noagendashow.net/topic/beijing.md), [shanghai](https://search.noagendashow.net/topic/shanghai.md)

### FICO Score Calculation Changes and Credit Ratings

- **Episode:** [1064: Post Racial](https://search.noagendashow.net/episode/1064-post-racial.md)
- **Published:** 2018-09-02
- **Time:** 2:45:58–2:51:34
- **Transcript:** https://search.noagendashow.net/episode/1064-post-racial/chapter/fico-score-calculation-changes-and-credit-ratings.md

Major credit bureaus are revamping FICO score calculations by removing library fines, parking tickets, and certain medical debts from reports. This change is expected to raise credit scores for millions of Americans, potentially allowing them to take on more debt. The hosts view this as a prelude to a potential market crash driven by over-extension of credit.

Keywords: [fico](https://search.noagendashow.net/topic/fico.md), [credit score](https://search.noagendashow.net/topic/credit-score.md), [medical debt](https://search.noagendashow.net/topic/medical-debt.md), [equifax](https://search.noagendashow.net/topic/equifax.md), [experian](https://search.noagendashow.net/topic/experian.md)

### Facebook Trustworthiness Scores, Verizon Firefighter Throttling

- **Episode:** [1062: A.I. Zombies](https://search.noagendashow.net/episode/1062-a-i-zombies.md)
- **Published:** 2018-08-23
- **Time:** 1:54:07–1:58:45
- **Transcript:** https://search.noagendashow.net/episode/1062-a-i-zombies/chapter/facebook-trustworthiness-scores-verizon-firefighter-throttling.md

Facebook is reportedly developing a trustworthiness rating for its users, which the hosts compare to China's social credit system. In a separate story, Mendocino County firefighters are suing Verizon for throttling their data during a wildfire. The hosts argue that net neutrality would actually prevent the priority access the firefighters are seeking.

Keywords: [facebook](https://search.noagendashow.net/topic/facebook.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [verizon](https://search.noagendashow.net/topic/verizon.md), [net neutrality](https://search.noagendashow.net/topic/net-neutrality.md), [mendocino](https://search.noagendashow.net/topic/mendocino.md), [throttling](https://search.noagendashow.net/topic/throttling.md)

### China Social Credit System and FICO Score Comparisons

- **Episode:** [1028: Roscoe!](https://search.noagendashow.net/episode/1028-roscoe.md)
- **Published:** 2018-04-26
- **Time:** 51:35–54:02
- **Transcript:** https://search.noagendashow.net/episode/1028-roscoe/chapter/china-social-credit-system-and-fico-score-comparisons.md

China is expanding its social credit system nationwide, which has already barred 11 million citizens from flying and 4 million from using trains based on their behavior. CBS reporter Ben Tracy describes the system as an effort to "purify society." The discussion compares this to the American FICO score, noting how financial metrics are increasingly used to determine access to non-financial services like education.

Keywords: [china](https://search.noagendashow.net/topic/china.md), [social credit](https://search.noagendashow.net/topic/social-credit.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [ben tracy](https://search.noagendashow.net/topic/ben-tracy.md), [surveillance](https://search.noagendashow.net/topic/surveillance.md)

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