#report on credit

[elitecreditboost]

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[izzystizzys]

There is a scratch mark on the floor of the Council chambers that Mace has never noticed before. Not a deep one, mind, quite shallow. This matters because it’s making the white-hot pulse of agony stabbing through his eyeballs ebb momentarily. Then, he chances a glance upwards at the fidgeting Knight in front of them, and it returns in full force.

Huh, he’s never seen Oppo Rancisis’ face turn that colour before.

“Hmm”, Master Yoda hums, deep and scratchy. His expression is unreadable even to Mace beyond a baseline gremlinness, and the force with which he grips the edges of his seat is making his bones creak. Master of the Order you should become, they said. Follow the calling of the Force, you should. A fulfilling purpose, it will be. Mace is going to hunt the little goblin for sport when this is all over, and he’s going to laugh the whole time.

“Show us the livestream again, could you, Knight Parvo?” Yoda asks. Mace bursts a capillary, he’s pretty sure, and so does poor Knight Parvo, whose orange Mon Cala skin tips all the way into blood red with stress. “Most unusual, this is.”

“Absolutely not!”, Ki Adi intervenes before Mace has to, thank the Force for little mercies. Plo Koon’s tusks tremble slightly with either suppressed laughter or abject horror, maybe both, and Stass Allie has her head in her hands. “The holo stills should be enough”, Ki Adi proceeds to add, and Mace has to reconsider all feelings of grace he just felt towards his fellow Councillor.

He never wants to watch Yoda zoom in on someone’s abs again. Or Depa raise her eyebrows at the curve of thighs bent over the dripping front of a speeder.

“Speeder Wash For Our Troops”, his former padawan reads out loud from a still of what has to be hundreds of the things gathered in the public senate parking lot. “Fund Our Boys And Get A Wet Seeing-To!” The series of images features dozens of Coruscant Guard troopers in various stages of unkitted, gleaming and shining with soap suds and water. The fact that the whole thing is also massive shatterpoint after massive shatterpoint is, quite frankly, insulting.

“Well hello- oh dear”, Obi-Wan’s blue form crackles to life in his chair, followed by several sounds of choking that are definitely not him. Good, Mace thinks acidly. If he has to deal with this, then so does kriffing Skywalker. “I’m sorry, why am I looking at Commander Thorn using a washrag like a lasso on top of a speeder?”

“Oh, the Guard’s little fundraising project”, Bail Organa says, as he steps into the Council chambers. Normally, Mace likes the man well enough. Now, he just smiles and adds on, “I’ve already donated, in mine and Breha’s name. Remotely, of course.”

“The Guard’s fundraising speeder wash?”, Obi-Wan repeats, edges of his holo form flickering with what Mace suspects is Skywalker very unsubtly trying to edge in. Force, but the man really is horrible at any and all stealth, like kissing his secret wife in an open arena in front of his Master. “And they are fundraising for…?”

“GAR budget allocations have to come from somewhere”, Organa shrugs. “And with the tide of public opinion turning, they’ve been tending towards cuts. The Guard feels them more keenly than any other sector - they’ve been reduced from half to quarter rations, and medical supplies have not made more than a token appearance in the last draft. The Chancellor has cancelled three consecutive meetings on the matter, and thus it was agreed that a more hands-on approach was needed. Any surplus will go into the Army fund.”

“Surely it can’t be that dire”, Oppo protests, a slightly less concerning shade of purple now. Senator Organa shrugs again, jostling the smattering of cracks slowly building around his person in a way that makes Mace wince quietly. “It’s all publicly available data, Masters.”

It really can be that dire, as it turns out. And quarter rations is only scratching the surface of how dire, considering the Guard has apparently never had access to bacta in all their posting, and also includes requisitioning forms available to the Senate for reconditionings and decommissionings, two words Mace has only heard Ponds whispers amidst shuddering in the early days of the war before Shaak Ti went off and just about tore some throats out over it.

“Alright”, he concedes, rubbing at his temples. “Fair enough, we have failed to tackle a massive blind spot in the Guard’s well being. There is no Jedi assigned to Coruscant, and that’s an oversight on our behalf. But how in the everloving kriff did this get past the Chancellor and Commander Fox?!”

Who have both signed, black on white. Bail Organa smiles cryptically. “Well, if you scroll a bit past that one image, up to the industrial speeder in the back - Commander Fox is currently having credits stuffed into his codpiece in the back, I believe.”

“HE’S WHAT IN THE WHAT NOW”, Commander Cody screeches through the speaker of Obi-Wan’s holo image, and Mace has to summon every bit of Jedi-serenity he possesses in his body to keep from dropkicking a cackling Yoda through the chamber windows.

[gwydionmisha]

Democrats did this.

[ave661]

CAN WE NOT??????????

Let me say this loud and clear: using AI on other people's works without their knowledge and then publishing them is disgusting and I will report every post with my renders

[socialjusticeinamerica]

[sanflawoah]

Hiroyuki Sanada Shogun make up behind the scene

[chloesimaginationthings]

(continuation of previous ask) I looked at their blog just now and they actually might be a bot? idk tbh

Thanks to everyone who’s brought this to my attention!

I’m pretty certain @/jyedthrry6 is a bot, they were uploading commonly reposted text posts, until somehow stumbling into lifting from my account. I think the give away to em being a bot is how they’ve reposted not just my comics, but my patreon announcement images, and images I shared on ask replies, so the same cropped images just on its own

My suggestion is just to report them for spam, cause I think it is a legit spam bot who accidentally got wind of my work 🙏🏾

[foldingfittedsheets]

Tried to call and change my name with a credit card. I couldn't do it online, so I called and I was somehow unprepared for her to ask, "What is the reason for the change?"

I stared into space and said, "Uh... gender."

There was a very long pause before she went, "Alrighty."

[paper-mario-wiki]

ive been getting more sugar daddy scammers lately trying to court me which i THINK is a good sign because that means i might be getting closer to getting an offer from a LEGIT sugar daddy, who i would use to purchase more pre-9/11 technology.

[canisalbus]

Me, casually browsing Pinterest: oh cute dog, seems familiar *continues browsing before coming to an absolute halt* WAIT FUCKIN MACHETE-??

(I see the beloved gay Catholic hounds everywhere (/pos), though I’m not sure if you’re like,, cool with those folks reuploading your art ^^; )

As a side note, I needed a topic for a research project and your art has sent me on the wild trail of the historical prevalence and spread of different hound species in Medieval Europe and the Mediterranean. Your lads are officially peer reviewed XD

.

[republicansaredomesticterrorists]

☝️

[elitecreditboost]

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[mostlysignssomeportents]

At long last, a meaningful step to protect Americans' privacy

This Saturday (19 Aug), I'm appearing at the San Diego Union-Tribune Festival of Books. I'm on a 2:30PM panel called "Return From Retirement," followed by a signing:

https://www.sandiegouniontribune.com/festivalofbooks

Privacy raises some thorny, subtle and complex issues. It also raises some stupid-simple ones. The American surveillance industry's shell-game is founded on the deliberate confusion of the two, so that the most modest and sensible actions are posed as reductive, simplistic and unworkable.

Two pillars of the American surveillance industry are credit reporting bureaux and data brokers. Both are unbelievably sleazy, reckless and dangerous, and neither faces any real accountability, let alone regulation.

Remember Equifax, the company that doxed every adult in America and was given a mere wrist-slap, and now continues to assemble nonconsensual dossiers on every one of us, without any material oversight improvements?

https://memex.craphound.com/2019/07/20/equifax-settles-with-ftc-cfpb-states-and-consumer-class-actions-for-700m/

Equifax's competitors are no better. Experian doxed the nation again, in 2021:

https://pluralistic.net/2021/04/30/dox-the-world/#experian

It's hard to overstate how fucking scummy the credit reporting world is. Equifax invented the business in 1899, when, as the Retail Credit Company, it used private spies to track queers, political dissidents and "race mixers" so that banks and merchants could discriminate against them:

https://jacobin.com/2017/09/equifax-retail-credit-company-discrimination-loans

As awful as credit reporting is, the data broker industry makes it look like a paragon of virtue. If you want to target an ad to "Rural and Barely Making It" consumers, the brokers have you covered:

https://pluralistic.net/2021/04/13/public-interest-pharma/#axciom

More than 650,000 of these categories exist, allowing advertisers to target substance abusers, depressed teens, and people on the brink of bankruptcy:

https://themarkup.org/privacy/2023/06/08/from-heavy-purchasers-of-pregnancy-tests-to-the-depression-prone-we-found-650000-ways-advertisers-label-you

These companies follow you everywhere, including to abortion clinics, and sell the data to just about anyone:

https://pluralistic.net/2022/05/07/safegraph-spies-and-lies/#theres-no-i-in-uterus

There are zillions of these data brokers, operating in an unregulated wild west industry. Many of them have been rolled up into tech giants (Oracle owns more than 80 brokers), while others merely do business with ad-tech giants like Google and Meta, who are some of their best customers.

As bad as these two sectors are, they're even worse in combination – the harms data brokers (sloppy, invasive) inflict on us when they supply credit bureaux (consequential, secretive, intransigent) are far worse than the sum of the harms of each.

And now for some good news. The Consumer Finance Protection Bureau, under the leadership of Rohit Chopra, has declared war on this alliance:

https://www.techdirt.com/2023/08/16/cfpb-looks-to-restrict-the-sleazy-link-between-credit-reporting-agencies-and-data-brokers/

They've proposed new rules limiting the trade between brokers and bureaux, under the Fair Credit Reporting Act, putting strict restrictions on the transfer of information between the two:

https://www.cnn.com/2023/08/15/tech/privacy-rules-data-brokers/index.html

As Karl Bode writes for Techdirt, this is long overdue and meaningful. Remember all the handwringing and chest-thumping about Tiktok stealing Americans' data to the Chinese military? China doesn't need Tiktok to get that data – it can buy it from data-brokers. For peanuts.

The CFPB action is part of a muscular style of governance that is characteristic of the best Biden appointees, who are some of the most principled and competent in living memory. These regulators have scoured the legislation that gives them the power to act on behalf of the American people and discovered an arsenal of action they can take:

https://pluralistic.net/2022/10/18/administrative-competence/#i-know-stuff

Alas, not all the Biden appointees have the will or the skill to pull this trick off. The corporate Dems' darlings are mired in #LearnedHelplessness, convinced that they can't – or shouldn't – use their prodigious powers to step in to curb corporate power:

https://pluralistic.net/2023/01/10/the-courage-to-govern/#whos-in-charge

And it's true that privacy regulation faces stiff headwinds. Surveillance is a public-private partnership from hell. Cops and spies love to raid the surveillance industries' dossiers, treating them as an off-the-books, warrantless source of unconstitutional personal data on their targets:

https://pluralistic.net/2021/02/16/ring-ring-lapd-calling/#ring

These powerful state actors reliably intervene to hamstring attempts at privacy law, defending the massive profits raked in by data brokers and credit bureaux. These profits, meanwhile, can be mobilized as lobbying dollars that work lawmakers and regulators from the private sector side. Caught in the squeeze between powerful government actors (the true "Deep State") and a cartel of filthy rich private spies, lawmakers and regulators are frozen in place.

Or, at least, they were. The CFPB's discovery that it had the power all along to curb commercial surveillance follows on from the FTC's similar realization last summer:

https://pluralistic.net/2022/08/12/regulatory-uncapture/#conscious-uncoupling

I don't want to pretend that all privacy questions can be resolved with simple, bright-line rules. It's not clear who "owns" many classes of private data – does your mother own the fact that she gave birth to you, or do you? What if you disagree about such a disclosure – say, if you want to identify your mother as an abusive parent and she objects?

But there are so many stupid-simple privacy questions. Credit bureaux and data-brokers don't inhabit any kind of grey area. They simply should not exist. Getting rid of them is a project of years, but it starts with hacking away at their sources of profits, stripping them of defenses so we can finally annihilate them.

I'm kickstarting the audiobook for "The Internet Con: How To Seize the Means of Computation," a Big Tech disassembly manual to disenshittify the web and make a new, good internet to succeed the old, good internet. It's a DRM-free book, which means Audible won't carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by-sa/3.0/deed.en

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

Understanding credit

Dafuq Is Credit and How Do You Bend It to Your Will? 

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Ask the Bitches: What’s the Difference Between Credit Checks and Credit Monitoring? 

When (And How) To Try Refinancing or Consolidating Student Loans

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Using credit

How to Instantly Increase Your Credit Score…For Free 

How to Build Good Credit Without Going Into Debt 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?” 

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

Credit cards

A Hand-holding Guide To Getting Your First Credit Card 

63% of Millennials Are Making a Big Mistake With Credit Cards

Let’s End This Damaging Misconception About Credit Cards

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail

We’ll periodically update this masterpost as we continue to write tutorials and answer questions on credit. So if there’s anything you’re confused about, keep the questions coming!

And if we’ve helped you increase your credit score or pay off your credit card debt, consider tossing a coin to your Bitches through our PayPal. It ensures we can pay our lovely assistant and keep bringing you free articles and episodes like those above.

Toss a coin to your Bitches on PayPal

[socialjusticeinamerica]

👏👏👏

[carnivalcarriondiscarded]

How tf did that get there-

this is the second time i've seen your art on Pinterest-

wow! that's Theft, and not the good kind! while we're on the topic:

kindly refrain from reposting my art <3