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In the United States, redlining is the practice of denying services, either directly or through selectively raising prices, to residents of certain areas based on the racial or ethnic composition of those areas.

While the best known examples of redlining have involved denial of financial services such as banking or insurance, Reverse redlining occurs when a lender or insurer targets particular neighborhoods that are predominantly nonwhite, not to deny residents loans or insurance, but rather to charge them more than in a non-redlined neighborhood where there is more competition.

your credit score is used by lenders almost exclusively to determine what you will pay for a loan.

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