re: Are Credit Scores Racist?

Credit scores are an output, not an input. They inherently can't be racist.

Now... what goes into the creation of a credit score? Your history of using credit and paying it back.

By and large... the black community, especially the urban black community, has worse access to legit banks, worse jobs, worse education, worse savings, etc. All of those things are going to find their way, somehow, into the behavior that causes credit scores to rise or fall.