[LetsRok]

The banks should just chant "It's the scores, stupid!". Credit is given based showing a history of paying your bills on time. That is reflected in your credit score. Race has nothing to do with it. Being a deadbeat does.

[TXBSAFH]

In many financial institutions they use a computer program to determine if you get a loan. The loan officer just takes down the info and helps you sign the papers.