I gave sources for Good Credit History and such being negated in the very first comment where I linked Black Wall street commentary on yahoo answers. I repeatedly stated that my sources are Reality, as in people simply won't even give you a chance SIMPLY because of your skin color, and you cannot accept this because you want to verify it or validate it for yourself somehow and I don't know how you would do such a thing.
Go down to "Experiments" in the wikipedia Article about Employment Discrimination (here) and take note:
The Institute found out that black men were three times more likely to be refused for a job compared to white men; while the Hispanic men were three times more likely to be discriminated.
The study found that the white female testers had higher chances of call back for interviews and job offers compared to black female testers. The percentage for interviews was by 10 percent more for the white testers. Among those interviewed, 50 percent white women were offered the job, while only 11 percent of black candidates received jobs offers. The white testers were also offered higher pay for the same job in cases where the same job was also offered to the black testers. The pay difference was 15 cents per hour more for the white candidates. Furthermore, black women were "steered" toward lower level jobs, while white women were even given some higher-level positions that were unadvertised
Darity and Mason [1998] summarize results of discriminatory behavior observed in other countries on the basis of "correspondence tests".[3] In this type of tests, the researchers design fabricated resumes that signal the ethnicity of the pseudo applicants via the names on the resumes and send these letters to the employers. However, the qualifications written in the resumes are comparable. In England, Afro-American, Indian or Pakistani names were not called back for the interviews but Anglo-Saxons were called.[17] In Australian audits, Greek or Vietnamese names had the same result; Anglo-Saxons were favored.[17] According to the experiment done in the University of Michigan’s study,[18] strikingly, even the “skin shade” and physical features of the individuals had negative effects the further the skin color and physical features were from white characteristics.
Then go through the rest of the article, and again like I advised Inform yourself about the nature of the subject because you cannot explain away racism, you cannot justify racism, and you cannot avoid the many examples of racism while attempting to negate one obvious facet of Systemic Discrimination, why else would I link stuff about Racism than to Drive Home the point that Racism is alive and well, it's never gone away and it's evident in numerous ways, from the treatment by cops, judges, employees, creditors, all the way to the shop owner.
RE: Students offered extra credit to determine their level of ‘white privilege’