What you’re suggesting is illegal and has been illegal for quite some time. Credit policies have to be neutral in outcome. You can’t just cook up a clever way t

What you’re suggesting is illegal and has been illegal for quite some time. Credit policies have to be neutral in outcome. You can’t just cook up a clever way to be racist and hide it in some zip code algorithm. If your algorithm turns out to weigh against a certain people, it’s illegal. Even if it happened by accident, it’s illegal.