I want to add to this . EVERYONE is subject some form of profiling , either when you're applying for a loan, credit card etc. People are profiled when they go into stores to shop, unfortunate, but true , I've been profiled when I've walked into Harry Rosen's to shop in Toronto , for the SOLE reason that I didn't look like the type of person that could afford to shop there . I can, but my jeans had a rip and patched . Profiling whether when one is shopping , applying for credit , or just by entering a store, or applying for a TRV is just the way things are.