It’s crazy to think that this set of three-digit numbers can divide Americans into two categories: “worthy” or “unworthy.” Credit scoring is imperfect and arguably unfair, excluding far too many people from participating fully in our financial system. Today, we’re diving in with Warren Hogarth from Empower. Access to affordable credit isn’t a given for over 100 million people in this country. It’s estimated that 60 million Americans have credit scores below 700, while 45 million are either credit invisible or unscorable.