International Monetary Fund (IMF) researchers see the possibility of using the data from your browsing, search, and purchase history to create a more accurate mechanism for determining the credit rating of an individual or business.
Fun exploit someone suggested in the comments (which are largely good and rightfully opposed to this shit):
boosting credit scores with fake activity. Seems like something a computer-savvy comrade could make and share around if this ever happened.
Imagine if this ended up teaching the algorithm that super bougie white shit is negatively correlated with "trustworthiness", and bougie white people just got their credit scores nuked out of nowhere.
credit score takes a nosedive when you look up unionization or wage theft, sounds great
Fun exploit someone suggested in the comments (which are largely good and rightfully opposed to this shit): boosting credit scores with fake activity. Seems like something a computer-savvy comrade could make and share around if this ever happened.
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2018
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Imagine if this ended up teaching the algorithm that super bougie white shit is negatively correlated with "trustworthiness", and bougie white people just got their credit scores nuked out of nowhere.
So basically ad nauseum on steroids