Critical thinking skills and ability to do ones own research are essential life skills. But here ya go champ…

https://www.brookings.edu/articles/an-analysis-of-financial-institutions-in-black-majority-communities-black-borrowers-and-depositors-face-considerable-challenges-in-accessing-banking-services/

https://www.bostonglobe.com/2022/04/24/opinion/giving-credit-where-its-due/

https://medium.com/commonfuture/why-credit-scores-are-racist-da109fcfb300

https://www.cnbc.com/2022/10/11/how-structural-racism-plays-a-role-in-lowering-credit-scores.html