Timothy C. May wrote:
At 12:43 PM -0600 12/11/96, Igor Chudov @ home wrote:
The problem is, people can choose what credit history they want to have (I can be a saver or a spender, for example), but nobody can change the color of their skin.
This is central point of the theory why discrimination based on credit histories is OK, while the discrimination based on race is not.
But of course one also cannot change one's gender, age (except by waiting), or national origin, marital status (at least not easily), etc. and yet these often offer correlation data on expectation of payback.
Correlation is not an evidence of discrimination, at least to me. See my another post. You need to do a cross-sectional analysis to find out whether discrimination takes place. I would appreciate if some attorney on this list shed some light on the legal definition of discrimination. Thanks. - Igor.