uh… that’s exactly how it worked. The Wikipedia page you linked mentions credit bureaus. If you go to that page you can see they were established in the USA by the mid 1800s. Yes, it was all done on paper. That’s how the world used to work.
Yes! Now I get to continue enjoying the fruits of unpaid labor. Even better I’ll be able to complain about every niche issue I have without ever contributing anything. Woohoo!
I’m pretty sure it’s possible to overfit even with large testing sets.
We need to be very careful with news outlets that focus on science hype. Often times they’re jumping to conclusions based on poorly written papers that have yet to be peer reviewed and reproduced.
Just take a look at the homepage of this website. They post several times a day with much of it being obvious clickbait backed by very little journalistic integrity.
It sounds like the model is overfitting the training data. They say it scored 100% on the testing set of data which almost always indicates that the model has learned how to ace the training set but flops in the real world.
I think we shouldn’t put much weight behind this news article. This is just more overblown hype for the sake of clicks.
I too met my wife on Omegle. It was in text chat. We were both around 14 years old at the time. I don’t remember what talked about but we ended up exchanging phone numbers. We texted for years and would sometimes play video games together.
Eventually towards the end of high school I was able to fly out to visit her. I did that a few times and was totally convinced at the point I was in love. So I moved across the country to be with her after graduation.
Married and few years ago and we’re 27 now so it’s been 13 years since we met on there. :)
There’s a lot of negativity in this thread. I think people often forget that perfect is the enemy of good. Cheap housing is objectively a good thing.
I’ve been to several and they tend to be decent low-income housing. Quality can vary a lot but I don’t think we should be for cheaper housing and against options that provide it.
As in via a product? Code itself isn’t worth much. It’s the stuff we make with it that has value.
Shoutout to the contributors and maintainers of this app. It’s quite impressive already. I think it definitely has the potential to fill the Apollo void and drive a lot of traffic to Lemmy.
Credit scores didn’t exist but credit bureaus date back to the mid 1800s in the USA. Also, as others have mentioned creditors would do their due diligence and try to assert that you would be able to pay back your loans by doing many of the same things they do now.
This really isn’t some new, crazy concept like you’re making it out to be. The score has only simplified the process.