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Blacks and Hispanics were significantly more likely to be without a credit score, the study found, with a 15 percent rate of credit invisibility, compared to 9 percent for whites.

Having a low income was another major predictor of whether someone had a credit score: census tract data showed that nearly 30 percent of consumers in low-income neighborhoods were credit invisible and another 15 percent had credit records that could not be scored.

(Tweet This) The research found that about 26 million American adults have no histories with national credit reporting agencies such as Equifax, Experian and Trans Union.

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But [series creator] Hart [Hanson] and I were leaning toward this independently of that.