It’s only a matter of time until credit scores are abolished as being discriminatory and racist, IMHO.
They already are. As a white taxpayer I have to work overtime (my time and work time) to pay all my bills, pay people to fix/monitor by credit activity, be limited to loans within my ability to pay back, and basically do things the right way while other people get a pass and can do anything they want and still get loans.
Credit scores are a micro aggression.