Making the process rigid and algorithmic helps make sure that you aren't using race itself as a variable in your analysis, but it doesn't change facts about the

Making the process rigid and algorithmic helps make sure that you aren't using race itself as a variable in your analysis, but it doesn't change facts about the world. Black people have lower credit scores because as a group, they are less likely to pay their bills on time or at all. But because race isn't considered as a factor, a black person who is financially responsible is not dinged just because other black people aren't.