Criticism of credit scoring systems in the United States

Credit scoring systems in the United States have garnered considerable criticism from various media outlets, consumer law organizations, government officials, debtors unions, and academics. Racial bias, discrimination against prospective employees, discrimination against medical and student debt holders, poor risk predictability, manipulation of credit scoring algorithms, inaccurate reports, and overall immorality are some of the concerns raised regarding the system.

Source: Wikipedia — Criticism of credit scoring systems in the United States (CC BY-SA 4.0)