Gee I wonder why? https://www.investopedia.com/average-credit-scores-by-race-5214521

Good

What's the problem? Are they running out of free shit to give them?

Chicago isn’t a bad place for them to thrive economically. It’s really got nothing to do with Chicago.

It’s that they suck, and the more you put together, the worse they get. I’d speculate that the numbers in Atlanta are no better.