the inability for marginalized groups to access credit in the united states is a part of the hierarchical systemic racism that keeps them impoverished.

the plan to go after institutions that are trying to expand credit to people with poor credit scores is consequently essentially a form of redlining.

it's a racist policy - and they don't get it.

https://www.theguardian.com/commentisfree/2015/oct/13/your-credit-score-is-racist-heres-why