My parents own a small business and give credit to people on car sales. The excuses people come up with when they couldn't make payment were interesting.... I had to pay my bills or I had to make my house payment. As if we had a bottomless wallet filled with money and didn't have to pay our own bills. Businesses take risks in granting lines of credit and legal status is a fair variable to take into consideration alongside other factors. There's a fine line there between fair assessment and straight discrimination since someone who has DACA or a straight up "illegal" status can be denied credit solely based off of that without consideration of things like prior credit, home and car ownership, and asset/savings assessment, which should be considered in conjunction with legal status.