Because zip codes in themselves do not get assigned based on data relevant to whether someone is likely to pay off a loan, while credit do. Base decisions on da

Because zip codes in themselves do not get assigned based on data relevant to whether someone is likely to pay off a loan, while credit do. Base decisions on data relevant to the matter at hand, not on unrelated data. As an example, some 'professional' sports are dominated by people of certain skin colours. Basketball is predominantly 'black', ice hockey predominantly 'white' while soccer is more representative of the population at large. If you're looking for people who have the potential to become good basketball players you might look at data on their athletic achievements, on their length and other such things. I don't think there is a need to have a dark skin to be able to play basketball at a high level even though the majority of players seem to have such. I assume scouts for the NBA, NHL and MLS don't profile people based on their skin colour but on the aforementioned things and others related to a person's ability to play the sport. [1] http://www.chineseorjapanese.com/wp-content/uploads/2009/04/trans0409raceinsports-b-1024x665.jpg http://www.chineseorjapanese.com/wp-content/uploads/2009/04/...