It is a very interesting question what is the true underlying cause here other than FICO not being able to find a non-racial factor. I would imagine finding suc

It is a very interesting question what is the true underlying cause here other than FICO not being able to find a non-racial factor. I would imagine finding such a factor (or factors) would be incredibly valuable. If I were given the job the first place I would look is to see if the effect holds with immigrant black people verses those born in the USA.