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The Human Credit Score

A model that would see your contributions as a human scored - for virtual credit purposes - just as $$$ credit is scored today.

Joanna Wiebe

on 27 February 2011

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Transcript of The Human Credit Score

Post-Monetary Economies: A Proposal for the
HUMAN CREDIT SCORE What's wrong with the world, mama?
People actin' like they ain't got no mama. ___________________________________ WHAT IF What's been goin' on... The Twentieth Century saw the rise of banks and
lending with interest (i.e., "usura"). Traditional credit scores Lenders - like banks & credit card companies -
use credit scores to evaluate risk in lending. Don't pay your bills? $ :( Get a bad credit score. Good luck
renting or
buying. No
cell phone
for you. Goodbye
cards. If you get a
loan, it's
find out. Demographic data Taxable income Non-payment records also
considered {
{ In a post-monetary economy, what you make or
how speedily you pay your bills matters less. People Who Likely Have HIGH Traditional
Credit Scores: ...In addition to a traditional credit score, lenders, employers, insurance providers and PEOPLE in general considered the contributions others make to society? The Proposal What if we had a HUMAN CREDIT SCORE? George W. Bush
Tony Hayward
Deadbeat dads
Entitled celebrities
Dick Cheney former CEO
Measures financial risk
for a lender. HUMAN
Measures contributions to a society. Debt
payment Taxable income [Collective]
Intelligence Neighbors Global
neighbors The
environment [COLLECTIVE]
INTELLIGENCE You run and/or contribute to a free app or tool that itself contributes to greater access to and sharing of knowledge. NEIGHBORS You help your co-worker move. You clean
your grandma's house. You put work on
hold to help out your family or friend. GLOBAL
NEIGHBORS You volunteer for a literacy program. You
donate to a bottle drive. You help out at
the local soup kitchen. You give blood. THE
ENVIRONMENT You recycle. You adopt a highway or simply clean one. You have energy-efficient appliances. You drive a hybrid. You run a program to promote eco-consciousness. What Does This Solve? Who Measures You? :( People measure you. Not companies; people. How Reliable Are People? The entire premise of the Human Credit Score
is that the truth about the nature of each
human being should come out. If others choose
to 'game' the system, that comes out. Using What Mechanism? Existing and to-be-created social tools that
then feed into a FICO-esque database, where
scoring/rating takes place. We have prisons to punish people for harming their fellow man. We have credit scores to reward people for being fiscally responsible. But what about everything in between? How do we reward people - on a regular basis - for contributing to the greater good? Reward average Joes, like single parents who work tirelessly for others
Reward people in low-earning but high-contributing jobs (e.g., teachers, NPOs)
Promote a more peaceful, brotherly society where doing right IS capital User-contribution websites
already offer non-monetary rewards that
act as social capital and are, in essence,
the beginning of a human credit score. * * (People
Know) (People
You Don't
Know) +
Full transcript