The primary purpose of this study is to measure the level of disproportionate impact between credit scores and race/ethnicity, and credit scores and socioeconomic status. Disproportionate impact is defined as the bivariate relationship between credit scores and the independent variable of interest, such as race/ethnicity or income. That is, for purposes of measuring the level of disproportionate impact, no attempt is made to control for possible confounding variables, or factors that might explain a disproportionate impact should one be identified. A secondary purpose of this study—for which.