Now credit checks are racist

http://articles.moneycentral.msn.com/Banking/YourCreditRating/CreditChecksACivilRightsIssue.aspx

What a fucking joke. I hate racism but this is absurd. Sorry but if you have bad credit it's YOUR fault. I don't have the best credit in the world but instead of blaming others I take responsibility for it. Why are people so stupid? Why can't people accept responsibility for their mistakes? How is a credit check racist? Lisa Bailey, you are a moron.