this post was submitted on 03 Oct 2024

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165

FICO Scores In the US (sh.itjust.works)

submitted 1 month ago* (last edited 1 month ago) by [email protected] to c/[email protected]

26 comments fedilink hide all child comments

The image is from a Washington Post article which took the data from an interesting research paper titled Who Pays For Your Rewards? Redistribution in the Credit Card Market.

The research paper is a good read. (A free PDF of the whole paper is available at the link.) It examines how the use of rewards credit cards results in a massive wealth transfer from low-credit-score customers to high-credit-score customers:

We estimate an aggregate annual redistribution of $15 billion from less to more educated, poorer to richer, and high to low minority areas, widening existing disparities.

The Washington Post article attempts to frame the clear north-south split as a result of healthcare issues in the south. That explanation seems too narrow to me. This map looks too similar to maps of poverty and education, and we know health correlates strongly with both of those issues.

Edit to fix a sentence fragment. Sorry; it was late and I was tired.

all 27 comments

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[–] [email protected] 31 points 1 month ago (3 children)

Interesting data but I hate this map. The colours are nonsensical as are the categories

[–] [email protected] 25 points 1 month ago (2 children)

Maybe they're more color-blind friendly than the typical red-green scale? Idk, it's just a guess as to why these colors were chosen.

[–] [email protected] 44 points 1 month ago (2 children)

As a red green colourblind person this map looks awesome and the contrast is excellent

[–] moncharleskey 7 points 1 month ago

Agreed!

[–] [email protected] -1 points 1 month ago (1 children)

How about red and blue, would that look good to you? Because I make lots of data graphs and I often go for red and blue. Sometimes red and green I must admit. But mostly red and blue when using a two color scale.

[–] [email protected] 3 points 1 month ago* (last edited 1 month ago) (1 children)

So most of the time I struggle to identify purple as a colour that is distinct from blue. I think the biggest thing to help anyone see it would be the contrast in values, ie use a light bright red and a deep dark blue as the extreme values so that even someone with monochrome vision could see the difference. This is all just a guess though, when I struggle the most is with dark and desaturated colours where there just isn't a ton of information. With bright colours in good lighting telling purple from blue or bright green from yellow gets a lot easier.

Eta: there are a bunch of colour blind filters you can do on the computer, you could run your images through those to see what looks best

[–] [email protected] 1 points 1 month ago (1 children)

Thanks for your insights! I am not aware of people having monochrome vision though, is that a thing? I use a single-color scale when that is appropriate. But use blue and red often for positive and negative values respectively. No purple. Just shades of blue and shades of red.

[–] [email protected] 2 points 1 month ago

It's very rare.

[–] [email protected] 2 points 1 month ago (1 children)

For fully color blind people I wished they could just do black to white with shades of gray in between.

[–] [email protected] 1 points 1 month ago (1 children)

There are colour scales that combine colours and intensities consistently, so that if you discard (or can't percieve) colour information, you still get a nice black to white scale. For a moment, I though the map used cviridis scale, which has this property and is designed to look as similar as possible to people with various variants of colour blindness. But then I realised that the scale used here has the brightest point in the middle, not on one side.

[–] [email protected] 1 points 1 month ago (1 children)

It doesn’t work well for someone with achromatopsia.

[–] [email protected] 1 points 1 month ago

Cviridis or whatever they used here? Cviridis (and other scales constructed with the same philosophy) does.

[–] [email protected] 4 points 1 month ago

I like the colors. Much nicer than typical colourscales

[–] [email protected] -1 points 1 month ago (1 children)

Yea who the fuck designed this color scheme. And the data points being so....random? Why not go by 50 or 100...

[–] [email protected] 9 points 1 month ago (1 children)

Could be a choice to reflect the distribution of different scores. I can't imagine credit scores are a very linear distribution.

[–] [email protected] 2 points 1 month ago* (last edited 1 month ago) (1 children)

It also doesn't go low and high enough. The first and last category should show everything below and everything above respectively.

I mean a 687 credit score isn't ideal but it's far from how bad it can get.

[–] [email protected] 4 points 1 month ago (1 children)

It's showing averages. Just because certain scores are possible for an individual doesn't mean there's a district somewhere with that average score.

My credit score is not shown here because there is no district with that average score.

[–] [email protected] 1 points 1 month ago

Makes sense, thanks.

[–] [email protected] 28 points 1 month ago (1 children)

Pretty much a map of poverty levels and areas where minorities are concentrated, not surprising.

[–] [email protected] 6 points 1 month ago (2 children)

How do you explain Minnesota then?

[–] [email protected] 12 points 1 month ago

First you have to purify yourself in the waters of Lake Minnetonka

[–] [email protected] 1 points 1 month ago

Reasonably prosperous and not a lot of minorities?

[–] [email protected] 11 points 1 month ago

Pre covid. I would like to see one more recent.

[–] [email protected] 4 points 1 month ago (1 children)

I'm sure nothing can be inferred from the dark blue region that follows the rust belt exactly

[–] [email protected] 0 points 1 month ago

I blame it on the iron oxide

[–] [email protected] 3 points 1 month ago

So you're saying that the Gulf Coast gives people bad credit?