{"id":2154,"date":"2012-06-06T18:04:00","date_gmt":"2012-06-06T18:04:00","guid":{"rendered":"https:\/\/nationalfairhousing.org\/?post_type=resource&#038;p=2154"},"modified":"2021-12-10T20:52:30","modified_gmt":"2021-12-10T20:52:30","slug":"discriminatory-effects-of-credit-scoring-on-communities-of-color","status":"publish","type":"resource","link":"https:\/\/nationalfairhousing.org\/resource\/discriminatory-effects-of-credit-scoring-on-communities-of-color\/","title":{"rendered":"Discriminatory Effects of Credit Scoring on Communities of Color"},"content":{"rendered":"\n\n    <div class=\"container-fluid\">\n        <div class=\"row justify-content-lg-center cms-styles\">\n            <div class=\"col-lg-8 col-xl-7\">\n\n                <!--CTA-->\n                <div class=\"card-cta\">\n                    <p>\n                        Discriminatory Effects of Credit Scoring on Communities of Color                    <\/p>\n                    <a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2021\/10\/NFHA-credit-scoring-paper-for-Suffolk-NCLC-symposium-submitted-to-Suffolk-Law.pdf\" class=\"btn btn-primary btn-yellow\">Get the Report<\/a>\n                <\/div>\n\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Our current credit scoring systems have a disparate impact on people and communities of color. These systems are rooted in our long history of housing discrimination and the dual credit market that resulted from it. Moreover, many credit scoring mechanisms include factors that do not just assess the risk characteristics of the borrower; they also reflect the riskiness of the environment in which a consumer is utilizing credit as well as the riskiness of the types of product a consumer uses.<\/p>\n","protected":false},"template":"","meta":{"_acf_changed":false},"resource-topic":[24],"resource-type":[16],"resource-category":[],"acf":[],"_links":{"self":[{"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/resource\/2154","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/resource"}],"about":[{"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/types\/resource"}],"wp:attachment":[{"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/media?parent=2154"}],"wp:term":[{"taxonomy":"resource-topic","embeddable":true,"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/resource-topic?post=2154"},{"taxonomy":"resource-type","embeddable":true,"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/resource-type?post=2154"},{"taxonomy":"resource-category","embeddable":true,"href":"https:\/\/nationalfairhousing.org\/wp-json\/wp\/v2\/resource-category?post=2154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}