I’m curious how much income really matters for credit decisions since I thought it was typically self-reported and not verified (although perhaps they also use

I’m curious how much income really matters for credit decisions since I thought it was typically self-reported and not verified (although perhaps they also use third party non-verified sources to increase confidence), but to the extent it is a factor, I wouldn’t give much weight to living in a community property state either: 1. You can effectively opt out of community property rules via a pre-nup. 2. You can move states to a non-CP state. Those are two very hard things to control against, so it makes sense to just discount them. If that is what’s going on here, it’s not really gender-biased in my mind; especially in today’s world, an increasing number of women earn more than their male counterparts, so it’s just biased towards those with high income.