https://www.ibtimes.com/traditional-...better-2760694 Credit scores are rayciss because niggers have bad credit due to not paying their bills on time, let alone paying their bills at all.

https://www.theguardian.com/commentisfree/2015/oct/13/your-credit-score-is-racist-heres-why Paying bills beez rayciss n shiet. White privilege.

Niggers don't have good enough credit to qualify for conventional loans because paying your bills on time is white privilege. FHA loans are rayciss because putting down less than 20% means you have to pay private mortgage insurance (PMI) and therefore PMI beez rayciss.

So what's the solution then?

You can't make this shit up.