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.

You is a global singles community and matchmaking service.

You Date is where to find love, friends, flirt, date, meet women or men for fun dates, have a serious relationship or to fall in love.

People just like you, are waiting to hear from you now, seeking dates, love or marriage. Features include: Unique state of the art live video with voice - Flash alert system instantly lights up whenever someone views your profile or sends you a message - Find out which members added you as a favorite - Email notification when a member winks at you - Know if your messages are being read - Browse online personals & view photos - Compatibility match system - 100% free to read your messages, review your matches, flirt, send messages, see who viewed your profile and much more!

- Tons of profiles - Only a few seconds to sign up!