Credit Reporting and Scores: Approval or Rejection – The Minority Effect

I need an Argumentative Essay with a thesis.
The title is Credit Reporting and Scores: Approval or Rejection–The Minority Effect(second line of title).
Thesis statement The disparity among credit scores for women and minorities is a predictable and growing trend.
The essay should
(1) give an explanation of the problem (history, causes,etc.)
(2) the claim or position
(3) Support for the claim/position
(4) Opposition’s position and why it’s wrong (opposing views and why they are wrong)
(5) Resolution of argument, or conclusion for a call to change, a solution for the future, etc.
NOTE: do NOT reword thesis or summarize what’s already written.