Im glad you have found success with your credit score experiance.

On the other hand, Heres a paper reflecting on a few studies showing how credit scores can poorly affect minority communities.

thehousingcenter.org/credit-inequality-undermines…

In Cuyahoga County, there are significant disparities in credit health across neighborhoods. Communities of color have the lowest median credit scores, the highest percentage of individuals with subprime credit scores, and the highest share of individuals having debt in collections. On the other hand, majority white communities have the highest median credit scores, lowest percentage of individuals with subprime credit scores, and lowest share of individuals having debt in collections. These disparities are reflected in access to mortgages, mortgage denial rates, and arguably shape access to rental housing. Relying on credit scores and credit histories to determine access to rental housing and mortgages disparately impacts communities of color and helps exacerbate existing inequalities in the region.

And further

In practice, the reliance upon credit scores in evaluating borrowers and tenants disproportionately disadvantages communities of color, perpetuating another cycle of economic and housing injustice.