Essence Magazine:
By Jasmine Browley· Updated January 4, 2023
Structural racism has played a pivotal creditworthiness process we know today.
Designed to be non-discriminatory in its use of just numbers to determine a person’s likelihood to pay back loaned money, there is a myriad of extenuating that complicate the process. Namely, low socioeconomic statuses that stem from discriminatory practices spanning generations.
For example, a survey of 5,000 U.S. adults found that more than half of
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