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Discussion in 'Credit Talk' started by steph, Aug 2, 2000.
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Sure it works. Someone else will tell you NO.
Case by case. Sometimes when you get denied by a computer system, you can get a human to override it. But it is case by case, and some domapnies are just more open to it than others. Some, on the other hand, just rely on the computer, period.
by solely relyingon a computer, they limit their civil liability for discrimination.
if Joe the white guy gets the manager to approve him, and Bill the black doesn't, Bill might sue for civil rights discrimination.
That depends on the situation, although the majority of the time, it is *not* likely to work.
If you mail in an application (or fill out an online form) for some large bank that processes huge numbers of applications, they aren't likely to be willing to take a lot of effort for each one, especially if you have just been turned down by their automated system.
There may be firm policy issues setting out a clear yes/no criteria, without possible job risks for any employee who does too many manual overides (especially if those overides result in bad accounts.)
Firm standards and automation help creditors reduce the chances of discrimination lawsuits, since those systems can't see an applicant's skin color, for example, but a human manager can.
Whenever you are turned down on a credit application, always ask (in a calm, reasonable-sounding manner) for specific reasons. If it was due to information on a credit report, they have to tell you which bureau they used, and will generally give a short list of bad things they saw (e.g. "accounts not paid as agreed," or "insufficient length of time for established accounts," etc.)
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