Most payday borrowers are racial minorities, & most are ladies. A current report by the Woodstock Institute discovered that African-American communities were nearly four times as prone to have those with bad fico scores as predominantly white communities. The best typical neighborhood credit score in Chicago is in Garfield Park, that is 98.5 % black; the best is a place regarding the town's near-north part by having an African-American populace of 5.3 %. 1