The companies that profit from low wage earners are exacerbating the opportunity divide because they are presenting low wage earners with bad credit upon signing agreement forms and leases for things such as loans, cars, houses, credit cards etc. Some businesses, most businesses nowadays, are looking at appliers credit score and if your credit score is lower than their standards some companies will not hire you. The reason companies are targeting low income earners are because they know it will take them longer to pay off their dues or or even get close to paying it of at all, resulting in their credit score to lower and and eventually debt. The opportunity divide is being effected by companies that profit low wage earners because their interest rates in a year are more than a low income earner is making. Interest rates can allow a person to go into so much debt they need a second job and are unable to find that job to pay off those debts. So many companies are making money off their interest rates and debt along with the payments that they don't even hire within their company themselves. I believe so many people sign off on papers they have no idea what it says resulting in debt.