John Darvall is a BBC radio host who recently had an epiphany over the state of journalism, after realizing the industry he’d served so well wouldn’t think twice about screwing him over for a good story.
Darvall, who hosts a show on BBC radio Bristol, has just lost his daughter. Polly was 22, and died in a tragic car accident on Halloween. Since he works for the BBC, Darvall’s grief became public, and he agreed to give an interview. The report was full of inaccuracies and mistakes which compounded his loss, and caused huge problems in the family.
‘This poor piece of journalism made Tuesday probably the worst day of this whole episode so far. This includes seeing our dead daughter in a hospital mortuary just 12 hours after she was killed,’ Darvall wrote in a moving blog post.
‘Newspapers have contacted me and provided appallingly written articles, which I have had to change, ‘polish’ or make actual sense of. Other papers have published articles using my personal relationship as ‘the in line’, when this is NOT the story but, at best, just a very small part of the story.’
Darvall goes on:
Those who know me well will know that I never, ever wanted to be the story, just to tell or share the story, as a journalist, correctly. I have never wanted to be on TV, I don’t want to be known, perhaps just be known of, to do my job well and to help people if I can and to get to the truth for others.
However, he’s now seen the light: ‘truth’ and the mainstream media don’t go together, after all. Darvall suggests there’s no future for his industry, suggesting that the Internet will eventually take over as the primary source of finding out about current affairs:
‘The way we all consume news is changing,’ he writes. ‘The way we share news has changed and will continue to change at a faster pace. This week TV and newspapers have proven to me why they are not the future of news. If they can’t even get their facts right, be trusted with clear information and then report it accurately is it any wonder that we are all turning to Facebook, Twitter and other internet sources for our news and information? The internet allows us to come to our own conclusions by checking our own facts. We really can’t trust the traditional outlets to do it right or properly. I write this as a father who has lost a daughter. I write this as a journalist who loved his work but can now clearly see why so many have lost faith in his profession and traditional media. They, we and I have brought this on ourselves.’
Finally, Darvall leaves us with two pieces of advice:
‘Trust nothing you read or watch,’ he tells us, and possibly the most important thing of all: ‘Love your children and loved ones. Properly love them. Tell them every day, make sure they know that you love them regardless of what might be happening. Nothing is more important than that.’
Well said, sir.
Darvall’s blog post comes in the wake of two (much bigger) ‘shock-horror’ admissions by insiders that the mainstream media is entirely fake: a German journalist recently spilled the beans on how media professionals are nothing more than propaganda writers who deliberately lie to the people and help intelligence agencies push for war.
daily alternative | alternative news – BBC Journalist Comes Clean: “Believe Nothing You Read Or Watch”
The Huge Racial Injustice Hidden in Our Credit Scores
Worried about the use of big data for corporate gain? Look not further than the credit scoring system in the US, which has profound impact on our daily lives and is a source and perpetuator of systemic racial injustice.
In response to aggressive marketing by the “big three” multinational credit bureaus – Equifax, Experian and TransUnion – employers, landlords and insurance companies now use credit reports and scores to make decisions that have major bearing on our social and economic opportunities. These days, your credit history can make or break whether you get a job or apartment, or access to decent, affordable insurance and loans.
Credit reports and scores are not race neutral. Rather, they embed existing racial inequities in our credit system and economy – to the point that a person’s credit information serves as a proxy for race.
For decades, banks have systematically redlined black and Latino neighborhoods, refusing to make conventional loans or locate branches in non-white and lower-income areas, notwithstanding laws that obligate banks to meet the credit needs of all communities they serve, consistent with safe and sound banking operations. Thanks to financial services deregulation and the advent of asset-backed securitization, a multi-billion dollar “fringe” financial system has filled the void, characterized by high-cost, destabilizing products and services, from payday loans to check-cashers – which banks typically also own or finance.
People and communities of color have been disproportionately targeted for high-cost, predatory loans, intrinsically risky financial products that predictably lead to higher delinquency and default rates than non-predatory loans. As a consequence, black people and Latinos are more likely than their white counterparts to have damaged credit.
This firmly-entrenched two-tiered financial system has had devastating consequences for entire neighborhoods of color. Starting in the 1990s, financial institutions began flooding historically-redlined neighborhoods with predatory mortgages that ultimately led to the meltdown of the global economy. Waves of foreclosures hammered neighborhoods of color for more than a decade before the crash and black and Latino Americans bore the brunt of the ensuing foreclosure crisis, recession and spiking unemployment. Droves of people turned to high-rate credit cards to cover even basic expenses, contributing to the consumer debt crisis and spawning a bottom-feeding debt-buying industry that purchases old debts on the cheap and then uses the courts to extract judgments disproportionately from people and communities of color. These judgments are then listed in their credit reports, which also brings down their credit scores, in turn limiting a whole range of opportunities.
Although Wall Street is no longer pumping toxic mortgages into black and Latino neighborhoods, people and neighborhoods of color continue to reel from the foreclosure crisis, which many predict is far from over. Meanwhile, racially discriminatory and subprime auto lending are on the rise, payday lenders continue to extract billions of dollars from low-wage workers, and student loan debt has surpassed the trillion dollar mark. One in five Americans has unpaid medical debt, with more than half of all African-Americans and Latinos carrying medical debt on their credit cards. By definition, people who take payday loans and have uninsured medical debt are struggling, and are likely to miss payments. Missed payments translate into decreased credit scores.
This information – unpaid medical and credit card debt, student loans, and mortgages, as well as foreclosures, bankruptcies, debt collection judgments, wage garnishments – appears on people’s credit reports and lowers their credit scores. And the credit bureaus make humongous profits by selling this information about all of us.
In New York City, a coalition of labor, community and civil rights groupsrecently won the strongest ban on employment credit checks in the country. It’s a major economic justice victory, but we know it’s just a first step. We knocked down this discriminatory barrier because there is no demonstrated connection between a person’s credit history and his or her likely job performance or character. Credit checks can also block applicants with no or “thin” credit histories, including many students and immigrants. Rather, using credit information to make hiring decisions – or to rent apartments, set insurance terms, or extend credit – is a clear way to perpetuate inequality, poverty and segregation.
Credit reports and scores are mirrors of our manifestly two-tiered financial system, and more broadly our system of racial wealth inequality and unequal opportunity. In our culture, indebtedness – and certainly failure to pay one’s debts – is deeply entwined with concepts of morality. The insidious notion that our credit history speaks to our reliability as human beings is largely taken for granted.
The credit bureaus and the information they sell have out-sized influence over our lives. It’s time to stop these pernicious practices and the systemic injustices that underlie them.
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