Financial inclusion is acknowledged as a critical element for promoting equitable economic development and reducing poverty. Access to credit is a key tool that allows individuals to invest in opportunities that can improve their living conditions and economic standing. However, in Brazil, as in many developing countries, significant segments of the society, are excluded from formal financial systems. This exclusion not only hampers individual economic advancement, but also perpetuates broader social inequalities. This paper takes a quantitative analytical approach, using a multivariate regression analysis of secondary data extracted from a Brazilian financial institution company. This methodological framework is designed to identify and analyze patterns that show the extent to which current risk assessment practices influence the accessibility of credit for marginalized social groups. This study utilized real data extracted from a financial institution to examine the correlation between social factors and credit scores used to determine loan access. It was found that individuals with certain social characteristics may face reduced credit access, and the study proposes a discussion on alternative approaches to the current credit evaluation practices.