With my personal experience, I'd have to disagree.
I think the point he was making that when your paper is right, it's harder for them to fukk you.
I have over a 700 score. Nothing but green confirmed check marks when I apply for financial access.
There's a lot of literature about this.
It's certainly better than it was, but even with "color blind" measures - somehow White and Black applicants are treated differently.
But he talks about the Citi study where trillions of dollars are left on the table because of White Racism..
He is in the position where he can't really do any REAL straight talk, but instead relies on the same tropes that most center-right rich Black people engage in.