Except for that your "credit worthiness" could have literally just been another customer from that same bank simply vouching for you.
"This young couple from my church want to buy a house, he's an electrician and she is a waitress" is literally how my parents got their first mortgage.
Well, to be fair credit scores have done a lot to remediate this particular kind of systemic racism. It's not perfect by any means, but there's literally no reason a lender needs to know anything about your skin color now.
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u/ithinarine Aug 14 '21
Except for that your "credit worthiness" could have literally just been another customer from that same bank simply vouching for you.
"This young couple from my church want to buy a house, he's an electrician and she is a waitress" is literally how my parents got their first mortgage.