Interestingly enough Super Crunchers (http://www.amazon.com/Super-Crunchers-Thinking-Numbers-Smart...) goes into this in some detail and shows that the FICO score is really another barrier to minorities. Statistically speaking it's minorities, mostly with non-white skin that don't have a credit history. It states that the score is no more than an accepted form of racial prejudice.

Interesting.. Have you read Super Crunchers? [http://www.amazon.com/Super-Crunchers-Thinking-Numbers-Smart...]