Having no credit or bad credit can complicate your financial life. In general, having no credit is better than having bad credit. But either unestablished credit or a negative credit report can make it difficult to qualify for loans or credit cards. If you’re able to secure financing with either credit issue, you might receive higher interest rate offers or less attractive borrowing terms.
Although the consequences are similar, no credit and bad credit are two different problems. As such, you may need to follow a slightly different strategy depending on which of these two credit obstacles you’re trying to fix.
No Credit and What It Means
Having no credit means that you’ve never applied for a loan, credit card or other financing before. You have zero credit history with the major credit reporting agencies—Equifax, TransUnion and Experian. The Consumer Financial Protection Bureau (CFPB) calls you “credit invisible.” And there are around 26 million U.S. consumers who fit into this category with you.
With no credit history, you won’t meet the minimum requirements for a FICO or VantageScore credit score.
Minimum Credit Score Requirements:
- FICO: Your credit report needs at least one account that’s a minimum of six months old and one account that’s been reported to the credit bureaus in the past six months.
- VantageScore: Your credit report needs at least one account with no minimum age requirement.
In addition to “credit invisible” consumers, the CFPB says another 19 million people have credit reports but don’t qualify for a credit score based on the requirements above. If you’re in this situation, lenders may still consider you to be a borrower with “no credit.” Some 45 million Americans have no credit, either due to a lack of credit history or scores.
Credit reports and scores help lenders judge the risk of doing business with you. (Credit scores predict the likelihood that you’ll pay a credit obligation 90 days late (or worse) within the next 24 months.) When you have no credit history or scores, your creditworthiness is a mystery. Until you establish credit, some lenders may decline your applications due to the unknown risk factor.
Bad Credit and What It Means
Bad credit means you’ve made credit management mistakes in the past. Your credit reports may show a history of late payments, charge-offs, collection accounts, bankruptcies or other derogatory items. Most likely, your credit scores will be bad as well—falling on the lower end of the 300 to 850 scale.
Credit Score Ranges:
A FICO Score over 670 is best when you apply for financing. According to Experian, FICO Scores lower than 670 are ranked as follows.
- Fair: 580-669
- Very Poor: 300-579
VantageScore credit scores are graded a bit differently.
- Fair: 601-660
- Poor: 500-600
- Very Poor: 300-499
Many people struggle with bad credit. Around 33% of consumers have FICO Scores under 670. Meanwhile, nearly 40% of consumers have VantageScore credit scores of 660 or lower.
It’s ultimately up to each individual lender to determine what it considers to be good credit or bad and to decide how much risk it’s willing to take. So, while a FICO Score of 620 might be high enough for you to qualify for a loan with one lender, that score might not satisfy another.
Why Bad Credit Is Worse Than No Credit
As mentioned, both no credit and bad credit can hold you back when you apply for financing. Yet bad credit is typically worse than no credit in the eyes of a lender.
More lenders may be willing to do business with a credit unknown versus someone who already has a checkered past. This is the primary reason why no credit is better than bad credit. The consequences of bad credit can be more severe. For example, some lenders may be willing to offer you a mortgage with no credit. Yet finding a home loan with credit scores that fall below a lender’s cutoff point may be impossible.
6 Ways to Establish Credit
Finding someone to take a chance on you as a credit newbie isn’t always easy. Thankfully, there are some lenders and credit card issuers who offer products to people with no established credit.
If you’re building credit from scratch, the following options may be a good place to start.
Secured Credit Cards
A secured credit card is a special type of account. The issuing bank requires a deposit when you open it. Generally, the amount you put down is equal to the credit limit the card issuer will assign you. This security deposit reduces the card issuer’s risk significantly. So, it’s usually easier to qualify for secured credit cards than unsecured cards, even without an established credit history.
Before you apply for a secured credit card, make sure the card issuer reports to all three major credit bureaus. (Most card issuers do, but some local banks and credit unions may offer limited credit reporting.) It’s also critical to manage your new card responsibly to avoid future credit problems. On-time payments are a must, and it’s best to pay your balance in full every month to avoid high credit utilization and interest fees.
Unsecured Credit Cards for No Credit
If you’re not crazy about putting down a deposit for a credit card, you may want to consider an unsecured credit card instead. Unsecured cards can be harder to qualify for without established credit history. But some lenders do offer beginner credit cards to students or others looking to build credit for the first time.
Of course, interest rates on unsecured beginner credit cards may be higher. Annual fees and less attractive terms may also come with these types of accounts. As with any account, you need to commit to managing your unsecured card well for it to potentially benefit your credit in the long run.
Another way to establish credit is to piggyback on the credit card of a loved one. When a friend or relative adds you onto an existing credit card as an authorized user, there’s a chance it could give your personal credit scores a boost.
For the authorized user strategy to work as effectively as possible, a few puzzle pieces need to fall in place.
- The account should have only a positive payment history. A credit card with a history of late payments could result in bad credit scores for you.
- It’s best to be an authorized user on a card with a low balance-to-limit ratio (a.k.a. credit utilization).
- Older credit cards might benefit you more since credit scoring models pay attention to the age of the accounts on your credit report.
- The card issuer should report account history to the credit bureaus for authorized users as well as the primary account holder. (This doesn’t always happen.)
Credit Builder Loans
Credit builder loans represent a unique way to borrow money and build credit. With this type of financing, the lender holds onto the funds you borrow (usually around $1,000) instead of releasing the money to you right away. You make payments to the lender for the principal loan amount plus interest according to your repayment terms (usually 6 to 12 months).
After your final payment, the lender will release your funds. If you paid on time, you should have several months of positive payment history appearing on your credit reports. (Be sure to confirm that the lender will report the account to all three credit bureaus before you apply.)
This type of loan is an expensive way to build credit and is not likely to be the best option.
It’s not wise to take on educational debt for the sole purpose of building credit. But, if you plan to borrow money to finance your college education anyway, your student loans could help you establish credit as a side effect. As always, it’s crucial to make every payment on time, just like with other accounts. However, if your loan is in a confirmed deferment or forbearance period, those paused payments shouldn’t damage your credit scores.
If you have paid cell phone, utility or streaming service bills regularly and on time, you might benefit from Experian’s Credit Boost. This free service pulls data from your bank accounts and can help establish a credit history with Experian. While it won’t solve a lack of credit data with the other two bureaus, since the service is free it’s worth a try.
4 Steps to Fix Past Credit Mistakes
Rebuilding credit is different than starting from scratch. When you have bad credit, establishing positive accounts alone generally won’t be enough to turn a bad credit score into a good one. You also need to identify your existing credit problems and fix them—either now or in the future.
- Start by reviewing your three credit reports. Visit AnnualCreditReport.com to claim a free report from each credit bureau once every 12 months. Through April 2021, you can download a free credit report from each bureau once a week, as a result of the Coronavirus crisis. Remember, checking your personal credit never hurts your credit scores.
- Dispute credit reporting errors. A study by the Federal Trade Commission found that one in four consumers had errors on their credit reports. Credit reporting mistakes can damage your credit scores and hurt you when you apply for future financing. If you find incorrect or questionable information on your credit report, you have the right to dispute those errors with the appropriate credit reporting agency.
- Establish new credit, if needed. Consider the five options above (secured credit cards, unsecured cards, authorized user status, etc.) if you have few or no positive accounts on your credit report currently.
- Adopt smart credit management habits. As you’re waiting for the old (but accurate) negative items to fall off your credit report, it helps to start managing your current credit wisely. (Most accurate negative items on your credit report come off your report after 7 to 10 years.) Good payment history and low credit card balances (compared to your credit limits) are key. It may also help to understand what makes up your credit score to make sure you’re doing everything possible to put yourself in a better credit situation in the future.
It’s easy to feel impatient when you’re working to build or rebuild your credit. Yet improving credit takes time.
Once you establish your first credit account with a lender that reports to the credit bureaus, it takes six months to qualify for a FICO Score. (Tip: Authorized user accounts may help speed up this time frame.) And becoming eligible for a credit score doesn’t mean you’ll earn a great score right away. If you’re working to overcome past credit mistakes, that process also takes time.
Yet as long as you keep following good credit habits, you should start to reap the benefits of your hard work little by little. In the long run, you’ll be rewarded as long as you consistently follow smart credit management habits. After all, the lifetime value of a good credit score can easily be worth tens of thousands of dollars.
How to Increase Your Credit Limit
Applying for a new credit card might seem like the perfect solution when you want to manage your spending in a way that works for you.
Be it an intro 0% APR that you’re after, or just more generous rewards on purchases, credit cards let you buy now and pay later, helping you take control of big projects like home renovations and even everyday spending.
As convenient as credit cards are, however, there’s no guarantee that you’ll be approved for the credit limit you want. It can be a let down to submit an application only to receive a credit limit that’s lower than your expectations, and worse — it can put your goals up in the air.
On average, consumers who open a store card may only receive a limit between $2,000 to $2,500, and it can be below $1,000 in some cases, according to Equifax’s Credit Trends report. The average credit limit for general-use cards was higher, averaging between $5,000 to $6,000, but that can still be low for your needs.
Creditors look at a host of factors when deciding your limit, including their assessment of your credit risk, your income level, your credit score and issues they see on your credit report such as high revolving credit card balances, recent inquiries or large loan amounts.
But they take into account a few completely independent factors, too, like how well the economy is doing at the time you applied. There’s no way to predict exactly how much you can expect to be approved for.
It can be disappointing to get a low credit limit, but you’re not entirely without options. After a few months, consider asking for a credit limit increase on your new card, or you can request a higher limit on a card you’ve had for a while.
Here’s a breakdown on how credit limit increases work and how you can request one.
Credit limit increases can happen automatically for longstanding customers on occasion, or you can manually request one if you’ve only been a customer for a few months.
Card issuers are known to automatically increase cardholders’ credit limits from time to time (with no effect to your credit score), especially if you keep your income information up-to-date and have a good payment history.
However, not everyone will receive an automatic increase. And even if you get a higher credit limit, you may not receive the increase you need. It can therefore be a good idea to ask for a larger credit limit yourself.
Before you get started on your request, consider the three qualifications:
- You generally need to be a cardholder for at least three months.
- You typically can only request an increase once every six months.
- Card issuers may review your credit report if you request a specific credit limit.
These rules may not be an issue for you, but if you have bad credit or your score is under review (you’re in the mortgage process or applying for a new apartment, for instance), consider holding off on submitting a credit limit increase to preserve your credit score (we explain why below).
When you’re ready to ask for a credit limit increase, you’ll have the option of completing the request online or over the phone. You can submit the request via your card issuer’s mobile app or by logging into your online account.
Another option is to call customer service and ask for an increase. This option gives your request a personal touch and allows you to explain your reasoning why you need a larger credit limit and give reassurance that you can repay it. Discussing a recent raise or a longstanding, positive relationship can help strengthen your chances of getting an increase.
Requesting a credit limit increase may ding your credit score a few points if the card issuer pulls your credit report. It’s key to check the online form or ask the rep if your credit report will be reviewed.
Before starting your request, gather this information:
- Annual income
- Employment status
- Monthly housing payments (rent or mortgage)
- Desired new credit limit, which some issuers let you input during the request
You can typically expect to receive an instant decision on whether your credit limit increase is approved or denied.
If your request was denied, you may need to wait up to six months to try again. While you wait, aim to raise your credit score through on-time payments and boost your income, so you can strengthen the chance you get approved next time. You can also improve your credit score through free services like Experian Boost™, which allows you to get credit for on-time phone, utility and streaming service payments.
On Experian’s secure site
Average credit score increase
13 points, though results vary
Credit report affected
Credit scoring model used
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
How to Buy a House With Bad Credit: Guide for 2021
Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”
Having bad credit makes it harder to get a mortgage. A low credit score makes you look riskier to lenders; it suggests you might be financially unstable or unwilling to repay your debts.
A poor score, however, can also simply be the result of not knowing how the scoring process works or having gone through a brief rough patch that required you to take on debt.
If you think you’re ready for homeownership despite your bad credit, here’s what you need to know:
What counts as a bad credit score?
How do you know if your credit is bad? Once you know your score, see where it falls in the ranges below:
- Poor (less than 640): Lenders consider borrowers in this credit score range to be high risk. Having poor credit means you probably won’t qualify for a conventional mortgage, but you might be able to get a government-backed home loan.
- Fair (640 to 699): Lenders see borrowers in this credit score range as less risky. You might have less debt or a stronger payment history than borrowers with poor credit. You can qualify for a conventional mortgage with fair credit, but you might need to be stronger in other areas to make up for it, and you could be saddled with a higher mortgage rate.
- Good (700 to 749): With good credit, you’ll have a much easier time qualifying for a mortgage and getting a low interest rate. You’ll probably secure offers from more than one lender.
- Excellent (750 and above): An excellent credit score demonstrates your ability to manage debt. You consistently make your payments on time and don’t use too much of your available credit. Combined with a steady income, you’ll qualify for a mortgage from multiple lenders and have the luxury of choosing the least expensive option.
While potential borrowers with poor credit will find it challenging to get a home loan, it can be done. You just need to learn about the options available and how lenders will look at your application.
Credit score needed to get a mortgage
While your credit score is an important factor in your home loan eligibility, it’s not the only one. Here’s what else lenders care about:
- Down payment: Depending on the loan and the lender, you’ll need a minimum of 0% to 5% down.
- Debt-to-income ratio: Typically, you want a debt-to-income ratio of 36% or less when applying for a mortgage. In most instances, it can’t total more than 45% to 50% of your income.
- Cash reserves: You might need up to six months’ worth of mortgage payments in the bank with a low credit score and/or low down payment.
Minimum credit score by loan type
|Loan type||Min. credit score|
|Conventional||A home loan not insured by the federal government||620|
|FHA||Government-insured mortgage for borrowers with low credit scores||580 |
(with 3.5% down; 500 with 10% down)
|VA||Government-backed mortgage for military service members (including qualified reservists) who meet length and character of service requirements, and their unmarried surviving spouses||None|
(though individual lenders might impose limits)
|USDA||Government-insured home loan for low- and very-low-income applicants in eligible rural areas||None|
What having bad credit means for your mortgage rate
The lower your credit score, the higher your mortgage rate, all else being equal. If you have poor credit, expect to pay at least 1.5% more than someone with excellent credit.
The result will be a higher monthly mortgage payment and a higher long-term borrowing cost.
Assuming you’re able to secure a loan with bad credit, you won’t necessarily be stuck with the same rate forever. It might be possible to refinance to a better rate after improving your credit score.
Learn More: What Is a Mortgage Rate and How Do They Work?
How to get a mortgage with bad credit
You might already be able to get a mortgage despite your bad credit. For example, if your score is at least 580, you can put down just 3.5% and get an FHA loan.
However, working to improve your score and other aspects of your finances gives you more options and can save you money. Follow the steps below to increase your chances of getting a mortgage:
1. Keep an eye on your credit
It’s never been easier to get a free copy of your credit report. You can receive a free copy of your credit report from each of the three national credit reporting agencies at AnnualCreditReport.com.
Analyze your reports to make sure all the information is accurate. If you find a mistake that could be weighing down your score, dispute it with the credit bureau or with the company that reported the incorrect data.
Check your score weekly as well. This allows you to see how your financial activity is affecting your score. If it’s moving in the wrong direction, frequent checks will help you take quick corrective action.
2. Pay your bills on time
Payment history is the most important factor that determines your credit score, making up about 35% of it.
Make sure all your credit card, auto loan, and other debt payments post to your account by the due date to boost this part of your score.
3. Work on paying down debt
How much you owe makes up 30% of your credit score. Specifically, your credit score evaluates your balance relative to your available credit, often referred to as your credit utilization ratio. The lower that ratio, the better.
For example, your score will look better if your balance on a $5,000 credit line is $500 (10% utilization) instead of $2,500 (50% utilization).
If you rack up a high credit card balance one month, try to pay it down before your next statement is issued to keep your credit utilization down on your credit report.
4. Stay away from hard credit inquiries
Applying for a loan or credit card will usually ding your credit score if the creditor conducts a hard credit inquiry.
Credible lets prospective homebuyers shop for rates without impacting their credit scores. We’ll show you actual, prequalified rates from our partner lenders — our process is secure and simple, and it only takes a few minutes to complete.
Opening a new account — or closing an old one — will also decrease the average age of your accounts, a factor that accounts for 15% of your credit score.
There are situations, however, where the benefit of applying for new credit might outweigh the impact on your credit score.
One example of this is transferring high-interest debt to a lower-interest card, which could help you pay down debt faster.
5. Consider a rapid rescore
If you’re in a hurry to boost your credit score, a rapid rescore might help. Normally, your credit report and score get updated each billing cycle.
This means that after you pay down a credit card balance, for example, your new credit utilization rate might not be reflected in your score for up to a month.
Rapid rescoring can speed up the change to your credit score. Your lender might recommend it if you’re close to having a good enough score to qualify for a loan or better rate.
Keep Reading: Credit Score Needed to Get a Home Loan
6. Save up for a larger down payment
A larger down payment gives you more skin in the game, which makes you look less risky to lenders. It also means you won’t need to borrow as much.
If your income is too high to qualify for other low-credit-score conventional loan programs such as Fannie Mae’s HomeReady, you may still qualify for a conventional loan with a credit score of 620. You’ll need to put 25% down and your debt-to-income ratio must be 36% or less.
In this case, you won’t have to pay for private mortgage insurance. Your monthly mortgage payment will be smaller and your long-term interest expense will be lower. So, while you’ll pay more up front, you’ll pay less each month and over time.
7. Bring on a co-signer
A co-signer whose credit is better than yours could help you get approved for a mortgage or lower interest rate.
However, they will be taking on a huge responsibility: the obligation to pay your mortgage payments if you default. If they can’t, their credit score will be impacted.
In other words, a co-signer must put their savings and their credit reputation at risk to help you. That’s a big ask.
8. Consider a loan type with less stringent credit requirements
As we’ve noted, FHA loans have low credit score requirements. VA loans and USDA loans technically don’t have a minimum credit score requirement. However, these two loan types do have stricter eligibility requirements:
- VA loans: Only available to military service members who meet length and character of service requirements, and their unmarried surviving spouses
- USDA loans: Only available to low- and very-low-income applicants in eligible rural areas
9. Shop around to find the best offer
Even with poor credit, you should shop around to find a great mortgage rate. With Credible, you can check prequalified rates from multiple lenders for free, all on one platform.
You might be eligible for better rates than you think. And if you’re not, you now know the steps to get your score into better shape.
Get started today by checking out the table below, and see what rates you prequalify for from our partner lenders.
More accountability among council proposals for Akron police
Akron City Council wants more resources for the city’s only independent police auditor and more public access to police records, from use of force reports to citizen complaints and logs that track the race of everyone stopped by police.
Those are among the recommendations to be released publicly on Monday by council’s special committee on Reimagining Public Safety. Members are trying to answer a community call for a police force that better reflects the demographics and lived experiences those it serves and protects following the police killing of George Floyd in Minnesota last year.
There would be no age limit for police cadets, which the city recently upped from 35 to 40 years. A new “Pathway to Law Enforcement” would ask community and education leaders to steer young adults into careers with the city and the Akron Police Department.
More so than they do now, social workers would help police handle 911 calls involving mental health and addiction. Officers would spend more time walking or biking their beats in an effort to build trust and understanding with the neighborhoods they police.
And council would keep up with the latest in law enforcement technology as city police deploy drones or consider feeding camera footage into crime-solving software that can scan faces and license plates, which would prompt leaders to weigh public safety against personal privacy.
Council President Margo Sommerville will present the full list of recommendations and special committee findings during council’s regular public meeting Monday. The 22-page document is the culmination of 22 subcommittee meetings, each averaging about an hour.
But the report is not the end of the road to “Reimagining Public Safety,” Sommerville explained. The end goal is “more equitable” policing systems and stronger bonds between police and the policed.
As he searches for a new police chief, Mayor Dan Horrigan and his deputy mayor for Public Safety, Charles Brown, express agreement with council in recognizing the best elements of policing in Akron while considering improvements outlined in the listed recommendations.
Next, Sommerville said council will take its newfound knowledge of policing in Akron to the public and rank-and-file officers.
University of Akron President Gary L. Miller said he’s honored and excited that council has asked his faculty and students to develop a community engagement process of surveys and virtual town hall meetings. The information gathering process will solicit feedback from residents, officers and the police union, which as an organization was not given an opportunity to address council’s special committee.
“We know at the end of the day, when we really begin to finalize these recommendations, we’re going to need the Fraternal Order of Police (Lodge #7),” Sommerville said, pinning successful implementation of any reform or enhancement on the commitment of everyone impacted.
FOP President Clay Cozart will see the recommendations Monday. While continuing to disagree with the prominence given to police reform in the wake of Floyd’s death, Cozart said he’s watched every minute of the 22 meetings discussing the work of his members, and he appreciates Sommerville’s willingness to work with the union.
Informed by Akron police officers serving as “liaisons,” the special committee involving every member of council broke out into four working groups.
The Accountability and Transparency group, which met seven times, delved into issues of external oversight, officer discipline and public access to records, drawing on the expertise of police auditors, civilian review board members and national experts on the subject from coast to coast.
“In our society, we entrust police with the critical responsibility of protecting public safety, including by using force, if necessary,” the working group concluded. “External oversight recognizes that the seriousness of this delegated power requires particular scrutiny in order to ensure that the rights of the public are protected. On both a national and local level, historic injustices have created a trust deficit in how the public, particularly communities of color, interact with law enforcement, and government more broadly. Community trust is essential for effective policing.”
The group settled on two formal recommendations:
- Give Akron Police Auditor Phil Young, who answers to the mayor, a role codified in city law with “sufficient authority to access information, adequate staffing and funding and independence from the political process.”
- Ensure “that more police data and information is made publicly-available online and updated on a regular basis.”
The prevention working group discussed community policing and best practices around responding to mental health, addiction and other 911 calls that can end tragically for officers and citizens.
While identifying funding as the greatest barrier to more robust training, the group recommended that every officer undergo Crisis Intervention Team training. Currently, 76% of officers lack the 40-hour training.
To “help solidify stronger relationships between police officers and the communities they diligently patrol and serve,” the group also recommended more walking and biking for beat cops, something previous councils and mayors have tried to achieve.
The final recommendation recommended a shifting, or at least sharing, of the burden of solving society’s problems, which armed officers encounter daily.
There’s some appetite for the concept, even among officers. Police1, an online source of information and resources for law enforcement, surveyed 4,000 American officers for a special report called “What Cops Want in 2021.” Officers named serving their community as the top reason for becoming officers. They also ranked the types of 911 calls they’d rather see other agencies handle: housing for homeless people (93%), animal control (88%), nuisance abatement (64%), parking enforcement (61%) and dispute mediation (53%), responding to mental health crises (45%) and drug overdoses (29%).
“Throughout our working group meetings, there was a continuing discussion of whether it may be appropriate for social service agencies to respond to some 911 calls relating to mental health or other issues, the idea being that a social service-focused approach might be more effective in some cases, and could also free up APD to focus on issues that clearly need a police response,” the group concluded. “Our APD liaisons made clear that they believe there should be a police response to all calls, as situations are fluid and could endanger non-police responders.”
We also heard from the Police Chief in Alexandria, Kentucky, a small city south of Cincinnati, who described a program in which the department employs two social workers, who follow up on calls (and in some cases respond to calls where the scene is deemed safe).”
The group heard from a Kentucky police chief who sends social workers out on many calls, sometimes without an armed officer. They said Akron, as a community, should involve more social service providers on 911 calls, when “appropriate,” and expand programs where counselors and health professionals follow-up after the fact.
Personnel and culture
A third committee tackled hiring and staffing as commanders must take officers from their patrols to fill specialized units like Neighborhood Response Teams — the backbone of community policing in Akron — or Quick Response Teams that respond to overdoses.
The group recommended more ongoing training and identified potential problems with hiring like not testing for steroids in the screening process because it costs twice as much or disqualifying applicants because they have or lie about a history of bad credit or minor drug offenses.
To get a more diverse and broader pool of candidates, the group recommended abolishing the current 40-year maximum age for cadets, as other large cities have done.
They also recommended bringing back an Akron Urban League program that prepared candidates for the city’s civil service exam and the creation of a Pathway to Law Enforcement program.
The Pathway program would use neighborhood “figureheads” and public educators to recruit 18 year olds and hold their interest in becoming cops until they turn 21 and are allowed by state law to carry a firearm as a civil servant. For a couple years, they would get city jobs dealing with the public while earning criminal justice credentials through UA or Stark State.
The group added two suggestions: APD should update its mission statement “to include the need for a workforce that reflects community and the need for diversity” and bring in an outside group that would take confidential and “unvarnished opinions” of officers “that could provide constructive feedback for further institutional change.”
Technology and equipment
No formal recommendations, aside from getting a body-worn camera for every officer who interacts with the public, came out of the technology and equipment committee.
This last group learned about policing gadgets and systems like unmanned aerial vehicles (drones), “less-lethal” weapons (tear gas, pepper spray, tasers) surplus military rifles and body-worn cameras.
City information technologists informed them of existing software that allows detectives to stake out drug houses or solve crimes by accessing 277 cameras mounted around the city on buildings, lights and traffic poles. The footage is recorded 24/7 and kept for 21 days. And they discussed emergent technology like Briefcam, a program of computer algorithms that scans faces and reads license plates then automatically generates turn-by-turn video of stolen cars or suspects.
“Going forward, it will be important to gauge public opinion about how cameras in public spaces should be used,” the committee cautioned. “With Ring doorbells and other consumer camera systems becoming ubiquitous, it may be that the public is willing to accept greater surveillance by police within public spaces. Still, there should be transparency and clear rules on what is and is not permitted.”
Reach reporter Doug Livingston at firstname.lastname@example.org or 330-719-1756
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