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Ed, thank you for the comments on the topic. You're right about
discrepancies in the records. Also the records lack crucial details about
the record. Among them is the variations of terms for various
jurisidctions. Etc.
One clarification for my earlier posting. Regarding the check of credit
records, I mentioned that many people living in poverty don't have credit
history otehr than paying rent or utility bills. This is a tad
oversimplified and inaccurate.
If the person is not the rent/bill payer in the household, there may be NO
credit history at all. In the USA, having no credit history can be as
damaging as having poor credit history, especially if one isn't in nice
marekting target niche (such as being a college student).
While I mentioned the problems the credit score play in police recruiting
of minorities, there are other ways in which the credit score can
adversely affect minorities. One of them is the lack of credit options
except ones that are problem laden. E.g.; payday loans, rent-to-buy,
subprime loans, etc. These can worse the situations.
J.D. Abolins
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