By looking and hearing people talk, I kinda starting to believe that the FICO computer system might punish you for the name that you have. If your name resemble a minority or a religion that your parent followed when they named you, you might be punished for any delinquencies or anything much harder than someone that doesn't have the same issue. For example, lets say apples to apples, where A has no issue and B has an issue. They were both late on the same payments for the same day, same amount, same lender...etc. A will drop 10 points, while B will depend on his name and/or the religion and minority s/he belongs to. B might drop from 25 to 75 point for the same incident as A.
I believe the FICO system has adopted the idea of social behavior of groups and incorporated into the system. The foregoing might be true or not true, but personally and from my own information I gathered and seen, I'm starting to believe in it. I urge you to see and learn for yourself.
However, I would love to here back from you to see if you agree if the FICO scoring should incorporate the religious and ethnic background as a FICO scoring or not? Is it fair? May be it is, because it represent the social behavior of a group of individuals, however, do you think the name of a person can actual identify them within that group, or shouldn't the FICO system do more to investigate such, before infecting such punishment on that individual???
Again, don't take my word to be the final word, but seek your own investigations to the matter before you too believe in it. However, your opinion and answer to the questions above is the topic here.