Not that there isn’t bias in the credit scoring system, but I don’t think anyone was having any trouble keeping black people from financing things before. Before credit scores, credit worthiness was just up to the opinion of the bank manager, who had latitude to be as racist as he pleased. Practices like redlining actually became a lot more difficult with standardized credit scoring criteria. Again, it’s not perfect, but it’s about as close to a fair system as we’ve ever gotten.