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About This Document: With a low score, an individual is likely to pay higher interest rates on a car loan, higher mortgage rates, and need to put down security deposits on cellphones, apartments and utilities. Minority communities in particular struggle with bad credit, according to a report released last year by the Woodstock institute, a Chicago nonprofit that researches lending, wealth and financial systems reform. "The concentration of individuals with low credit scores in communities of color means they likely face more limited access to economic opportunity than people living in white communities," said Geoff Smith, Woodstock's former vice president, who is now the director of DePaul University's Institute for Housing Studies.

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12/08/11

Categories: DocStore > Periodicals
Tags: The Chicago Reporter, Nov Dec 2011, Credit check, Cottrell, Megan, Feature, Budgets, Personal finance, Credit cards, Low income groups, Mortgage rates, Banks, Community, Lines of credit

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