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Expanding Access to Credit Could Shrink the Homeownership Race Gap About 15% of Black and Latinx Americans are "credit invisible" and largely cut off from homeownership - There is a direct correlation between credit security -- having a strong credit history and structural access to credit offerings -- and higher homeownership rates. - Roughly one in 10 U.S. adults are considered "credit invisible," with no credit history. The share is higher for Black and Latinx Americans. - Poor or nonexisten...