re: Are Credit Scores Racist?

Working in banking and other financial services has shown me the true source of the problem with this issue and it is collections. Since they don't have access to health insurance they opt to go to the emergency room more often than not or doc in the box places. Sometimes they don't receive the bill because they move alot or they simply don't pay it. Being that they don't understand how credit truly works they don't see this being a consequence for them later on. This isn't just a black thing either, poor whites have the exact same problem.