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845
http://web.archive.org/web/20210703225740/https://www.usatoday.com/story/money/personalfinance/2021/07/02/congress-credit-score-overhaul-proposal-act/46965135/

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[–] [deleted] 3 pts

Maxine Waters, D-Calif., said Tuesday. "Yet, for far too long, our credit reporting system has kept people of color and low-income persons from access to capital to start a small business; access to mortgage loans to become homeowners; and access to credit to meet financial emergencies."

Yes, because they mismanage their money. Guarantee if the gov't takes over they will give scores based on race and then get mad as hell because people with high scores can't get loans. HONK HONK!