Part 1: This article opens by painting the image of the general bias involved in bank loaning before the introduction of FICO scores. Once FICO scores were introduced, many people who could never borrow before were suddenly able to take part in this process. Predigest ideologies no longer stood in the way of financing. However, this concept has been taken and warped into e-scores which are compiled from information such as search history and location, assigning values to different demographics. These e-scores determine what ads different groups of people see, bringing back the inherent difference in opportunity that FICO had brought us out of. According to the article, the effort to protect the privacy of individuals' FICO scores has driven class, race, and gender boundaries deeper than ever. Part 2: I've had many conversations about credit scores with my previous partner. He and his family are Puerto Rican, and while I prioritize raising my credit score quite a bit, he didn...