https://padlet.com/skaribian/Bookmarks Made with good vibes en-us 2020-09-09 12:06:31 UTC 2021-06-02 15:35:40 UTC hello@padlet.com https://padlet.com/skaribian/Bookmarks/wish/1579830121 I particularly was interested in the statement that "30% of Black Americans and 27% of Hispanics report they were misinformed or tricked during their first experiences with credit." because it shows a way in which misinformation can be used to help credit unions and harm the individual with credit. 

-Salvatore Neis 

]]> 2021-06-02 15:20:42 UTC https://padlet.com/skaribian/Bookmarks/wish/1579830121 https://padlet.com/skaribian/Bookmarks/wish/1579832577  "In fact, 30% of Black Americans and 27% of Hispanics report they were misinformed or tricked during their first experiences with credit."

“While the credit system was created to be blind, this data shows that Black and Hispanic Americans are being unfairly shut out of the system"]]> 2021-06-02 15:21:26 UTC https://padlet.com/skaribian/Bookmarks/wish/1579832577 https://padlet.com/skaribian/Bookmarks/wish/1579840122 It was shocking to figure out how often regular services are usually unavailable or unattainable due to misinformation based off of race etc.
Alyssa c.]]> 2021-06-02 15:23:42 UTC https://padlet.com/skaribian/Bookmarks/wish/1579840122 https://padlet.com/skaribian/Bookmarks/wish/1579850466 "Moreover, 30% of Black and 25% of Hispanic Americans feel they never had a chance to build good credit and believe that the system was stacked against them from the start."

]]> 2021-06-02 15:26:50 UTC https://padlet.com/skaribian/Bookmarks/wish/1579850466 https://padlet.com/skaribian/Bookmarks/wish/1579850844 I was also surprised by the amount of misinformation Black Americans and Hispanics faced when dealing with credit for the first time. There was a significant gap in percentages between Black Americans and Hispanics compared to white americans.
Gianna Tafa]]> 2021-06-02 15:26:57 UTC https://padlet.com/skaribian/Bookmarks/wish/1579850844 https://padlet.com/skaribian/Bookmarks/wish/1579851794 "About 54% of Black Americans report having no credit or a poor to fair credit score, which is considered to be any score below 640,"

I think this stands out because it shows how the system shows the racial differences when it comes to credits and how certain group seem to have less than the usual.]]> 2021-06-02 15:27:16 UTC https://padlet.com/skaribian/Bookmarks/wish/1579851794 https://padlet.com/skaribian/Bookmarks/wish/1579855062 Black Americans tend to have higher rates of student loan debt than the average person and only about half own a credit card, which can be a significant help in building credit if it’s used correctly. 

]]> 2021-06-02 15:28:16 UTC https://padlet.com/skaribian/Bookmarks/wish/1579855062 https://padlet.com/skaribian/Bookmarks/wish/1579879146  In the article it states “Hispanics report they were misinformed or tricked during their first experiences with credit” . This statement is honestly sad because both Black Americans and Hispanics are faced with dealing with such stress and an overwheling situation credit for the first time.

]]> 2021-06-02 15:35:34 UTC https://padlet.com/skaribian/Bookmarks/wish/1579879146