An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one's ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit--who are disproportionately African American and Latino--often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people...