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Notes -
Well yes, blacks have lower credit scores because they’re worse with credit, and they’re worse with credit for the usual reasons. But ‘blacks lack advantages that most whites have and that’s the main reason for lower credit scores’ isn’t just laughably wrong or insane- it’s totally a thing that could happen. We just don’t live in the world where it does, and it’s a hard assertion to disprove without crimethink.
"Not laughably wrong or insane" is simply not sufficient reason to believe the story. There's always some just-so story as to why some progressive-favored group is actually doing worse through something that's actually the fault of the evil white male or society or anything other than their own. And every time people come up with evidence that casts doubt on the just-so story, the just-so story just moves into any remaining gaps. And/or the evidence is suppressed.
Blacks have lower credit scores because they engage in activities that result in lower credit scores. Furthermore, black credit scores either correctly reflect or underestimate their credit risk. There's nothing to correct or compensate for, except on the part of black people themselves.
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