On the contrary, the modern credit scoring system has been a huge success when it comes to fighting discrimination. Previously banks left underwriting decisions to the whims of individual bankers. Unsurprisingly, many of these whims were based on things like the color of an applicants skin.
While there are certainly some arguments to be made about disparate impact under our current system basically everyone agrees that access to credit for minorities is much much better than it used to be.
While there are certainly some arguments to be made about disparate impact under our current system basically everyone agrees that access to credit for minorities is much much better than it used to be.