This issue centers on the implied hypothesis that AI is not a friend of the underserved, lower income or so-called middle-income households. Before it is too late, we need to get as much access to credit as we can today! AI systems are not inherently neutral; they reflect the data used to build them. The impact on lower-income individuals is a direct consequence of historical economic and social inequities embedded in that data, which the AI then operationalizes and scales. The impact of AI on credit access for low-income individuals is a double-edged sword, with the potential to both expand and limit access depending on how the technology is developed and regulated.