Freelancing has become a lifeline for millions of Americans, offering flexibility and independence in an uncertain job market. But behind the scenes, banks evaluate freelancers differently from traditional employees. These practices could impact loan approvals, mortgage rates, and even access to basic financial services. For freelancers who already face income volatility, unfair scoring models add another layer of risk; one that most don’t even realize exists. Here’s what all freelancers need to know.
