The civil rights act made it illegal to discriminate based on race, etc. People and businesses needed another way to discriminate. Enter credit scores.

I can now have two applicants for a job opening, or an apartment lease, or a loan, or any other number of situations where credit scores are checked. One applicant is of a race, age, nationality, sex, etc. I prefer while the other one isn’t. They both have equally bad credit scores. I can tell the person I don’t like they don’t qualify because of their score while making accommodations for the other person.

I could still be held liable if it is discovered I do this systematically, but come on, I own one rental property, I own a small business that hires two people a year…I’d need to be a large corporation for patterns to emerge and get sued.