Monday, June 17, 2013

Check your score yet

    At least one time or another you’ve seen an advertisement for checking your credit score, on the radio, TV, or as a pop-up on the computer screen.  It’s always a dire warning on how an un-expectantly bad score could keep you from qualifying for the house you want to buy or how the interest rate on the car you’re looking at getting is going to be higher than it needs to be.  There are three primary credit rating services, Experian, TransUnion and Equifax, for the most part they use the credit score calculating method developed by FICO (Fair Isaac Corporation), the score is a predictive tool used in the risk involved in underwriting loans and insurance.  Somewhere towards the end of the advertisement they offer to come to your rescue and fix a low credit score… all for a nominal fee of course.

    Not once has Experian, TransUnion or Equifax ever talked to me.  They have never called to verify if their data is correct or to question any account or transaction, they’re tracking me digitally and feeding information about me into a program that spits out a number that affects my life.  I don’t see the repercussions on a daily basis but subconsciously it’s in the back of my mind directing my behavior.  What if this concept were applied in a different role?

  Are you ready to step in to a world that’s only a key stroke away?

    Listening the Sunday talk shows I caught a few passing comments on the NSA data collection controversy.  I didn’t catch who made the comments although I suspect it was James Clapper (Director of National Intelligence).
“To search for the needle in the haystack, we need the haystack first”

    I came across a formula by Corey Chivers (a statics specialist), he estimated given an accuracy rate of 99%, 1 in every 10,102 positive hits from the NSA’s algorithm would be an actual bad guy.  If the accuracy were less than 99% the ratio of bad guy to false positives could be 1 in 100,000.  How many investigators would it take to go through the backgrounds and activities of 10,102 citizens to identify the one bad guy? How long would it take? What if the ratio is the less generous 100,000?  The “Haystack” (data collected) is just too much to be a feasible reason to gather and retain for the type of search they have sited.  So far defenders have identified one instance of terrorist activity being thwarted by the program that has been growing since the mid-2000’s.  Mr. Obama has referred to this program as a “Modest Encroachment” it appears to be a modest encroachment that has netted modest results especially since the one success they have touted was a follow-up inquiry after human-intel initially identified the plot. 
    Later a question was asked, “What happens to the data that doesn’t lead to the so called Bad Guys… Will it be deleted?” 

                “Oh No… We’re keeping the data we’ve collected”

    The answer got my thoughts running, why in the world would they want to keep data that only made it more difficult for the PRISM program to do what it was intended to do… I’d want to clear the files so I could focus on the objective, the “Bad Guys”.

    Ok, they keep the data for whatever reason, let’s look at what the various agencies could do with a few key strokes.

IRS: Are you a productive citizen, contributing to the tax-base, also with their role in Obamacare what is your healthcare consumption.  Are you in the plus column being “Productive” or the minus column a “Burden” to society.

NSA (PRISM): Are you a “Rabble Rouser” did you call your representatives office, did you visit a political web page, did you re-tweet an opposing message, did you make a dissenting comment on Facebook. (Do you get a plus or minus).

                NLRB: Are you a union member, of a friendly union. (Is “Card Check” dead? +/-)

                DoD:  How does your current/previous military service stack-up vs. the current “Agenda”.

                NCIS:  Have you purchased a weapon at any time. (Plus or Minus column)

                DHHS:  Are you living an approved life style… smoker, a little overweight, diabetic (+/-)

    This is just a short list of agencies that are maintaining specific information on individuals, a list of agencies ripe for “Data Mining”.  The IRS has already proven it’s willing and capable of skirting legality, just say the word, same for the EPA, DoJ and who knows how many other agencies have done the same.  How long till it’s not the credit score but the Citizen Score System that’s tracking me digitally and feeding information about me into a program that spits out a number that affects my life.  How long till it’s the Citizen Score System that’s subconsciously in the back of my mind directing my behavior.  To quote Mr. Obama “We’re going to have to make some choices as a society…”  Well O, normally the choices made by a “society” are done before you’re caught.

    A wife’s call to her husband telling him to “Pick-up diapers on his way home”, a student’s e-mail saying she’ll “Be home for Thanksgiving”, even the politically inconvenient little story posted by an old-coot in a cornfield, none of them present a National Security risk… DELETE THEM!  The retention of this data begs for misuse by zealous political miscreants, something there seems to be no shortage of.  As the program stands in its current configuration it is useless as a predictive tool but as an extortion tool it could be almost 100% effective.  Will there be an advertisement in the future were somewhere towards the end of the advertisement they offer to come to your rescue and fix a low citizen score… all for a nominal fee of course. 

    Now to blindside you, I like us having the PRISM program, I like the intelligence agencies having the best tools to do their job… But aggressive oversight is needed!  More on this in the next post.   

It’s Just A Key Stroke Away

The TOMCAT

Side Note:  I’ve read several articles by liberal/progressive reporters calling for accountability and transparency on the scope of internal collection of data on citizens and the aggressive investigation tactics used on reporters… Fellas’ you gave Obama a pass for 5+ years (counting his first presidential campaign), the child is spoiled, learn to live with the BRAT you raised… the rest of us have.
Maybe in 3 years you’ll get a chance to do what you should have done 5+ years ago, honestly vett a Presidential Candidate.

1 comment:

  1. The federal bureaucracy is so large that it is virtually impossible to manage it. Therefore we will always be exposed to renegade employees and the damage they can do. The solution is to cut this monster down to a mageable size.

    ReplyDelete