191 karma · joined March 1, 2018
Maybe I’m missing something, but wouldn’t you either want the input to drop or the rewind to not happen at some point? If my network is extremely laggy when I’m playing a multiplayer game I would expect that my attempt to hit an opponent wouldn’t still succeed 1+ seconds later when they have already moved and are no longer in a position to be hit.
Color helps for some people but when making an accessible design you have to account for color blindness and other vision issues. Which means the icon needs enough contrast and can’t rely on just color to convey meaning, unless the icon is paired with a text label that also conveys the meaning the color was trying to convey.
So while I agree that color iconography can be extremely helpful for the average user, unless it is supplemented by other techniques it can make a product completely unusable for a subset of users
So an amount of this deals with scale and the copyright status of the prior art.
I would say though that if GitHub is allowing requests like that through the API then they should be banning the API token and the account it was issued to if it uses the API maliciously
Or I can have SSO or a password manager and be logged-in in less time then it takes me to grab my phone. As an end user I would much prefer the latter.
How do you know that the people posting about problems they had for “no reason” are being honest and not disingenuous? They could be leaving out key facts or straight up making up a story that they feel will gain enough traction for it to end up on the front page.
A Stripe employee replied elsewhere that they have been looking into the poster’s case for the past 24 hours and it isn’t straight forward. So either Stripe is lying or the poster was getting support but they didn’t like the way things were going or maybe they felt they weren’t getting support because Stripe was taking a few days to respond because they were investigating the situation.
We have no way of knowing the truth. Stripe and/or the poster could be lying or they could be telling the truth or the truth could be somewhere in between. And we will never know what the reality of the situation is.
I’m really not trying to be provocative, I’m just trying to figure out why in situations like this HN seems to take the complaints at face value. At least that’s what I’ve seen. If people have examples of complaints like this not being taken at face value by HN I’d love to see them.
Since I’m seeing a lot of confusion about how credit reporting is done and how credit monitoring services work let me break it down a bit. Let's say you are getting a new credit card with Chase Bank. When you apply for that credit card Chase does a hard inquiry on your credit report to decide if you are elligible for that card and what credit limit they are going to give you. If they then issue you a card they then report to the credit bureaus that you opened a new line of credit with them and the limit on that line of credit.
If you have credit monitoring you would get 2 notifications. You would get a notification that a hard inquiry was made on your credit report and a second saying a new line of credit was issued to you. The point of credit monitoring isn't for the bureau to catch mistakes but for you to be aware of activity that could negatively impact your credit score. The bureau has no way of knowing if something was legitimate or not since they only have the information that was reported to them. Credit monitoring does however let you know something major happened to your credit which means you now have the ability to respond to that knowledge.
There are 2 important things to remember, all 3 credit bureaus are legally required to give you 1 free credit report per year at your request. You can get it online from https://www.annualcreditreport.com/index.action or the FTC has instructions https://www.consumer.ftc.gov/articles/0155-free-credit-repor... if you want to request it by mail. I have heard a lot of people suggest that consumers should space out requesting the 3 free credit reports so they get one about every 4 months and use that as a form of credit monitoring. It isn't completely fullproof since lenders aren't required to report to all bureaus so something could show up on only 1 report and not the other 2. The second important thing to know is that bureaus are legally required to allow consumers to dispute items on their credit report. The FTC has a sample dispute letter you can use to file a dispute, but some if not all of the bureaus have ways to file disputes online. As someone else in this thread mentioned these disputes generally require some sort of evidence that the reported item is incorrect.
So say I get a credit monitoring alert that says my address has changed because some creditor reported my information incorrectly. Regardless of any other steps I should get that resolved with the creditor because it will probably keep causing issues. But I could then file a dispute with the credit bureau(s) saying that the address is incorrect which would probably require a bill or something to prove my current address (similar to how some state DMVs prove you are a resident).
The theory behind this implementation is that probably no one other than you knows what the amount of the mortgage you took out in 1999 is or the size of the car loan you took out in 2015. So in theory it confirms that you are the person who the credit report belongs to. In practice it gets tricky because there are plenty of people who have super boring credit files (e.g. they only have a credit card and have never had a loan). With that kind of user you end up in the situation where the questions either ask about information that can probably be gleaned from public records or the answers end up being “none of the above.” For those users specifically it is a pretty useless solution. I remember signing up for Credit Monitoring and thinking that anyone with a passing knowledge of my life could answer the questions.
It turns out that verifying that someone is who they say they are without needing to see a valid ID is a hard problem to solve.
Is it a great solution no, but before data breaches became so common it was a somewhat reasonable solution. In today’s world though I would agree that it is a pretty terrible solution, but I don’t know how you would solve that without requiring notarization from a trusted third party that the person is for sure who they say they are.