chinacat
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AAPL Long since 2006
Posts: 4,429
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Post by chinacat on Aug 14, 2021 5:01:49 GMT -8
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chinacat
Moderator
AAPL Long since 2006
Posts: 4,429
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Post by chinacat on Aug 15, 2021 4:56:59 GMT -8
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4aapl
Moderator
Posts: 3,632
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Post by 4aapl on Aug 15, 2021 7:09:05 GMT -8
Interesting stuff. As a summary on the Apple Card article, the short of it is Apple/Goldman was found innocent. They specifically don't ask for certain data, so it can't be used, directly, for deciding what credit limit they give. But, it does come in since they still base things on credit score, and that can have issues. With a married couple, with one not working or working less, you can have a mismatch. Within other circles that might be more common in certain racial or economic groups, income based on tips, cash, or gig work can play in to differences. In that sense it comes back to proper income reporting, and how much score is given by default vs instead taken away from negative marks, and where that puts someone without negative scores. In trying to help a friend out who is in a non-ideal situation, her limited credit score is still hit negatively when her husband doesn't pay something off, and so that further fuels the power struggle and makes it harder for her to become independent. Nothing is perfect. For her, she still has to pay an annual fee to get a basic and low limit credit card. But for the Apple Card, it now gives the choice to utilize a couple's credit score in deciding a limit. On the MDM stuff, I wish either the article, the Apple pages, or the other company's pages gave a little more info in a summary way. I tested this sort of stuff for a bit at Apple, but in the distant past it did slow the client down more. Back right out of college at Motorola, they used management and virus software on the desktop machines. Luckily I was able to convince the IT guy I knew what I was doing, and so on reinstall he turned those off. Sometimes it's just a memory limitation thing, and I've seen that a couple times recently when a guest user is setup, especially in combination with File Vault on an older machine. The article said everyone should use File Vault 2, so I'll have to see what the latest is on that.
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