The Hidden Burden in Black and Brown Communities

According to the 2019 State of Black America Report by the National Urban League, Black households are significantly less likely to own homes compared to White households. One major factor? Credit inequality.

Many people in underserved communities:

• Never received financial literacy education
• Use credit out of necessity, not strategy
• Fall into debt traps due to predatory lending
• Don’t know their credit rights or how to dispute errors

This isn’t just a personal issue—it’s systemic. But knowledge is the first step to change.