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Showing posts from November, 2025

How AI Replaced Discrimination in Housing

In the 1930s, redlining maps were drawn with ink—blunt tools of exclusion that marked which neighborhoods deserved investment and which were left to decay. Today, those lines haven’t vanished. They’ve evolved. They’ve gone digital. Welcome to the age of algorithmic redlining, where data decides who gets a home, who builds wealth, and who stays locked out. The New Architects of Inequality Companies like CoreLogic and Equifax aren’t household names—but they shape the financial lives of millions. CoreLogic powers the mortgage industry with risk models and property valuations. Equifax controls the credit scores that determine who qualifies for loans, apartments, and even jobs. Together, they’ve built a system where bias isn’t shouted—it’s coded. ZIP codes and rent history become racial proxies. Predictive models flag entire neighborhoods as “high-risk.” Homes in Black and Latino communities are undervalued by up to 20%. Credit scores penalize cash-reliant households, often excluding workin...