The third article provided a critical examination of the credit scoring system, revealing its deeply American origins and systemic challenges. We explored how the credit scoring system is not just a financial tool, but a powerful social technology that reflects and perpetuates economic inequalities. Key themes included:

• The historical roots of credit discrimination
• The systemic biases embedded in credit scoring mechanisms
• The profound impact of credit scores on individual economic opportunities
• The global context of credit assessment
• The ongoing challenges of creating a fair and equitable credit system

This article exposed the complex intersection of technology, economics, and social justice, demonstrating how credit scoring is far more than a neutral mathematical mechanism.