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This is interesting and a good example where credit scores fail.

Credit scores aren't perfect, but that's not a good example. An individual's salary says nothing about their credit-worthiness.

This is true if you are from the country, but if you are a recent immigrant you are treated as though you are a bankrupt.

If credit scores were really based on risk they would look at the default risk of immigrants as a group (maybe using things like country of origin, education level, and job status to fine tune) and start the score to reflect the real risk rather than starting at zero.

There are some laws around what data can be used to underwrite loans. Nationality can't be used, but immigration status can be. http://www.consumer.ftc.gov/articles/0347-your-equal-credit-...

You can provide this national origin information voluntarily if you wish. If it means you get a credit score then most people would. The problem right now is all immigrants are treated as they are the highest possible credit risk with no effort made to adjust on the basis of personal circumstances.

You can't do that because it's discriminatory. At the same time, there are many people who can and do cycle in and out of the country and scam creditors.

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