Reliance on a credit score for lending decisions locks too many out of the market for accessing affordable capital.

That’s why we don’t rely on credit scores, especially for our black and brown applicants, who are unjustly ‘redlined’ by the current credit scoring system.  Read this article to learn more about why the current system penalizes many residents of color and how these residents typically pay more of their hard-earned income operating in the ‘unbanked’ system (sadly, as the map in the article shows:  of all states east of the Mississippi River, only Mississippi has a higher % of unbanked residents than Connecticut). Read on