Topic: Credit Karma

4 chapters across the catalog

59: Restoring Justice
22:55 - 28:44

59: Restoring Justice

Predictive Policing and Social Credit Scoring

The discussion moves to the use of predictive algorithms in the criminal justice system for bail decisions and in the financial sector for lending. Adam expresses concern over the "gamification" of credit scores through apps like Credit Karma, which he views as a form of surveillance. They predict a future where consumer behavior, such as streaming habits, directly impacts financial standing and insurance premiums.

52: Build Black Better
1:54:44 - 1:58:40

52: Build Black Better

Episode 52 Producer Credits, Dog Training, Jingle Requests

The hosts read through various donations and producer credits for Episode 52. Topics include a memoriam for "Cousin Mikey," a discussion about a host's new dog, Rocco, and requests for custom jingles. Several listeners are "undeadbeated" after contributing to the show, receiving "Mo Karma" in exchange for their financial support.

51: Civil Wrongs
2:42:32 - 2:50:26

51: Civil Wrongs

Malcolm X on Voluntary Separation and Economic Control

Malcolm X explains the difference between segregation (forced) and separation (voluntary). He points out that ethnic enclaves like "Chinatown" are not called segregated because the residents control the economy and politics of their community. The hosts discuss how modern tools like the internet and globalism allow for new forms of Black entrepreneurship that were impossible in the 1960s, though they warn against the "evil" of the modern credit system.

27: Lift-Gate
1:46:56 - 1:50:36

27: Lift-Gate

Credit Karma and Algorithmic Control Mechanisms

Credit monitoring apps like Credit Karma are described as "slave control mechanisms" that grant banks access to personal financial data. The hosts argue that modern algorithms are "super racist" and are used to determine everything from loan eligibility to criminal sentencing, effectively automating systemic bias.