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Joined 1Y ago
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Cake day: Aug 18, 2023

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It is important to note that while a FICO score is roughly equivalent to “trustworthiness”, the three credit agency scores (Equifax, TransUnion, and Experian) are NOT meant to reflect your trustworthiness directly. Rather, they are specifically designed to inform lenders of your profitability for them.

It’s an important distinction because having a an outstanding payment history alone won’t improve these scores, if you aren’t utilizing available credit and maintaining some running balance with lenders.

Basically, if you’re just going to borrow money and never pay any interest on the loans, you aren’t actually a source of profit and therefore aren’t a desirable customer for lenders and creditors


Just a heads up, people should be wary of playtron to a degree: the CEO is a guy named Kirt McMaster. Anyone from the Android enthusiast community may know him as the guy who convinced the creator of CyanogenMod to incorporate (becoming Cyngn) and then drove the company into the ground chasing skinning and theming revenue, and wouldn’t even allow the community to keep the cyanogen brand (they had to rebrand it to LineageOS)

Kirt sucks. He’s a terrible leader and a terrible businessperson. I’m sure there are plenty of great people involved in playtron but with him at the helm of the company I am not expecting it to end well



IMO Google is like Joe Biden. Not good, but infinitely better than the shit show that is the alternative (in the context of advertisers specifically)


It’s weird that we’ve arrived at “Don’t let Google have a monopoly on personally identifying you for advertising purposes!”


Yeah, so, Google already has this data about you. What they’re doing here is trying to reduce the specificity of information given to advertisers about your behaviors, and simultaneously give you the ability to never inform specific third parties about your interest in the specific topics you choose

I see this as a good thing. They were literally already getting and using all of this data. In that case I’d much rather have some control over who knows which things about me, rather than leaving it entirely up to Google