Author: Micheal Nosa

Credit scores are often seen as a simple, objective tool that lenders use to determine whether you can borrow money or qualify for loans, mortgages, or credit cards. While they may seem like just a number that reflects an individual’s financial behavior, the truth is that credit scores tell a much deeper story. They are not just a personal reflection of financial habits; they also reveal the systemic inequalities that have shaped our economy over decades. Credit scoring has long been criticized for perpetuating the racial wealth gap and economic divide in the United States. Disparities in credit scores reflect…