Quote:
Originally Posted by MikeWaters
you never 1) answered what your experience in the area is 2) explained what you know of predictive modeling in consumer loans 3) nor have you provided any evidence that your approach, widely acknowledged as racist, is good business.
Yeah, you can get away with espousing these views in the church. But try going around to other places, and get away with saying "there is no racism in redlining."
Maybe you can get SU to argue for you. He seems to live fascism these days.
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It' not in home loans per se, but I built a model a few years ago that dealt with assigning credit ratings to thos who receive collect calls from correctional facilities (I'm not kidding). Not surprisingly, demographic data including location was a big part of that model. It resulted in reducing bad debt by over 40% and there is a patent on it. Good enough?
Which part of your grant-unded research has to do with this, IT, or any other host of things you think you seem to think you know all about?