How does a low credit score affect a person who applies for a loan?

A low credit score indicates to lenders that you are a high-risk borrower and they may not be willing to lend you money. ... Loans of this type are known as “subprime loans.” Even though they usually come with a higher interest rate, they can help you consolidate debt and pay off credit cards.

affirmative action refers to the policies that take gender, race, or ethnicity into account in order to promote equal opportunity.

employers subject to title vii are prohibited from taking race or sex into account in any employment decisions. aa is a penalty for having any job group substantially statistically "underutilized" in any race or either sex. the employer must take steps to eliminate the underutilization, then stop, ending its aa efforts