Ruffin Outline

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School

Florida State University *

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Course

2000

Subject

Philosophy

Date

Dec 6, 2023

Type

docx

Pages

7

Uploaded by masontorrance9

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Stage 1: Determine the need for critical self-protection by asking: 1. Is a major claim on beliefs/attitudes/values or actions being made? Ruffin is not making a major claim on values regarding credit scores. She gives the audience her point of view on credit scores and shows the bias of our society regarding credit scores and racism. 2. Is the person merely relaying information or is he/she/they strategically presenting the material? Ruffin is strategically presenting information in the rhetor. She gives the audience supporting evidence of her claims through statistics, comparisons, and authoritative evidence. Stage 2: Identify the claims that are being made: 1. Minoritized people are more likely to be turned down by mortgage lenders.
2. Credit reports and scores disproportionately disadvantage Black people and people of color. 3. Other predictors of credit scores are also ridiculous and biased. 4. Credit scores have far-reaching consequences, beyond home ownership. 5. We need to get rid of credit scores. Or at very least, reform the current system. Stage 3: Test the quality of the case for the claims: Substage 1: Does the rhetor provide evidence and reasoning for every claim? Claim 1- Statistical and authoritative evidence from AP news. “ She was told she didn’t qualify because she was a contractor, not a full-time employee — even though her co-workers were
contractors, too. And they had mortgages. Crystal Marie’s co-workers are white. She and Eskias are Black.” (para. 4) Claim 2- Authoritative evidence from National Consumer Law Center Claim 3- Comparison between rent payment and mortgage payment. “ While rent payments don’t count toward your credit score, mortgage payments do. And guess who is more likely to have mortgages? White people.” (Para. 7-9) Claim 4- Example evidence, “ Your credit score doesn’t just affect your ability to buy a house. Employers use credit reports to decide whether to give you a job. Car dealers use them to pick the interest rate on your vehicle. Credit scores even determine how much interest you pay on your student loans, which explains why a study found out that borrowers who attend mostly white colleges get lower interest rates than borrowers who attend historically Black colleges ...” (para. 10) Claim 5- Comparison evidence, “Fun fact. A lot of countries don’t have them at all. They’re extremely American.” (para. 12). This shows the comparison of America to other countries that supposedly do not have a credit score system.
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