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It also failed to follow through with a threat made by chief executive Martin Wheatley in July to ban all forms of payday loan adverts. Mr Wheatley promised to get tough on more than 50,000 firms which hold consumer credit licences.
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Imagine a store where you can pay as you go with no credit and get brand-name furniture. but in practice it costs as much as payday loans, car title loans and other expensive forms of lending, with effective annual percentage rates.
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And yet employers see a credit report as data rich and superior to human judgment — never questioning the assumptions that get baked in. Related: Milwaukee’s staggering black-white economic divide In a vacuum, these models are bad.
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