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- Credit Scores At Risk
- Financial expert Jill Schlesinger explains to Harry Smith why companies are closing lines of credit, what that does to credit scores and what should be done about it.
- Videos 2009-03-13
Additional Resources
- Consumer Group Says Insurers' Use of Credit Scores Has Flaws
- Credit scores are one of property insurers' favorite tools to separate the sheep, those who will get car and homeowners' insurance policies, from the goats, those who will be rejected or charged more. Most states allow insurers to do this, albeit with some restrictions and many misgivings....
- Blog posts 2009-09-25
- Consumers Reports(r): Credit Scores Being Held Against Consumers; August Issue Gives Five Steps to Improve Credit Scores
- YONKERS, N.Y., June 30 /U.S. Newswire/ -- Many people know that credit scores and credit reports are used to determine rates on loans, credit cards and insurance premiums, but the August issue of Consumer Reports warns consumers that credit histories can YONKERS, N.Y., June 30 /U.S. Newswire/ -- Many people...
- Research articles 2005-06-30
- Credit score disclosure: Federal legislation would demystify credit scores. (Plain talk).(Brief Article)
- THOUGH THE TERRORIST Attacks in New York and Washington in September slowed the progress of legislation in the U.S. Congress, work continues on a proposed law to require disclosure of consumer credit scores. Linda M. Johnson, a spokesperson for the N THOUGH THE TERRORIST Attacks in...
- Research articles 2001-11-01
- Credit scores differ among race, ethnic groups
- Different racial and ethnic groups have substantially different credit scores, on average, despite indications that credit-score models aren't biased against any particular demographic groups and even as credit has become more widely available, concluded a study conducted by the Federal Reserve. The Fed study, Report to the Congress on...
- Research articles 2007-10-01
- A Critique of: 'Insurance-Based Credit Scores: Impact on Minority and Low-Income Populations in Missouri'
- Dr. Kabler, Research Supervisor of the Missouri Department of Insurance, studied data (i.e., exposure counts and average credit scores by ZIP code) provided by selected automobile and homeowners insurers. After application of three statistical analysis techniques, Dr. Kabler concluded that credit scores are correlated with minority status and income levels...
- White papers 2004-02-01
- Rating Agency Posts Online Comparison of Nationwide Credit Scores.
- By Aldo Svaldi, The Denver Post Knight Ridder/Tribune Business News Mar. 16--Titus Blackwood's credit score, decimated when a disability caused her to miss paying household bills, is now preventing her from refinancing her mortgage and saving thousands of dollars. "I...
- Research articles 2004-03-16
- INN Focus.(study of credit scores in insurance by Eleven states)(Brief Article)
- AT ISSUE: Eleven states are conducting a study of credit scores in insurance, while the Federal Trade Commission is embarking on its own study as mandated by the Fair and Accurate Credit Transactions Act. THE CHALLENGE:...
- Research articles 2004-06-01
- Webster, Mass., Insurance Company to Use Credit Scores to Determine Coverage.
- By Bruce Mohl, The Boston Globe Knight Ridder/Tribune Business News Feb. 4--Commerce Insurance Co. of Webster, one of the state's largest insurance companies, said yesterday it plans to start using credit scores this month to determine whether to offer coverage to customers...
- Research articles 2004-02-04
- Massachusetts Attorney General Opposes Using Credit Scores for Insurance Rates.
- By Bruce Mohl, The Boston Globe Knight Ridder/Tribune Business News Jul. 12--Attorney General Thomas F. Reilly yesterday joined other public officials in opposing regulations that would allow insurers to use credit scores in setting home insurance rates, and the commissioner who drafted...
- Research articles 2003-07-12
- Economy.com: Credit Scores' Predictive Mojo Possibly on the Wane
- From Tony Hughes at Economy.com (sorry, no link), a conundrum: How is it that credit scores have risen at the same time that consumer delinquency rates have gone up? Weird, but true. Take a look: by Matt Stichnoth
- External links 2008-10-23
- Debt Does In Dallas: Credit Scoring Hurts Texans' Insurance Premiums
- If you're in debt in Dallas, or elsewhere in Texas, and your credit history is hazy, you're going to pay up big time to insure your home or auto. That's the conclusion of a Dallas Morning News analysis that claims "credit scoring," one of the insurance industry's...
- Blog posts 2009-10-27
- Free Credit Report? Not So Fast, Ben Stein
- Shame on Ben Stein. A Columbia University-trained economist and Yale law grad with a career that has included gigs as a Federal Trade Commission lawyer, an actor, a quiz-show host, New York Times columnist and CBS Sunday Morning commentator, is now promoting a bait-and-switch deal from a website called freescore.com. His...
- Blog posts 2009-08-03
- Consumer Credit Bureaus Need Reform, Too
- Mark Sunshine submits: President Obama’s effort to reform the banking system doesn’t address the system’s biggest problem, which is how consumer credit is underwritten in the United States. Without exception, no material consumer loan is made in America without the borrower’s credit bureau first being polled by prospective...
- External links 2009-09-17
- Online Financial Service Credit Karma Raising $2.5 Million Second Round
- Credit Karma, a site that lets users get free access to their credit scores in exchange for receiving targeted ads, has raised $1.5 million worth of a $2.5 million round of funding, per an SEC filing. The company said QED Investors led, with participation from Ron Conway’s SV Angel,...
- External links 2009-11-05
- Insurance Credit Scoring: Underwriting Tool or "Dirty Pool"?
- Personal lines insurance companies employ a number of factors and processes to effectively underwrite and price risk. One element that has gained popularity in recent years is insurance credit scores, which utilize credit information to measure an individual's financial responsibility and stability. According to the report numerous statistical studies have...
- White papers 2003-08-06
- Insurance-Based Credit Scores: Impact on Minority and Low-Income Populations in Missouri
- The study, inappropriately and without analysis, implies that all minority populations will be affected to the same degree by credit-based insurance scores. The Study relies on the differences in percentiles in a way that almost certainly overstates the actual differences in scores. Reliance on percentiles automatically implies differences in average...
- White papers 2004-02-01
- Could Credit Card Outrage Impact Insurers?
- It's no accident that the National Association of Insurance Commissioners NAIC, the U.S. insurance industry's regulators, will hold a hearing tomorrow on the use of "credit scoring." The announcement follows closely on the heels of President Obama's meeting with the executives of banks that issue credit cards at which he...
- Blog posts 2009-04-29
- Homeowners Vs. Renters: Who Scores Better?
- Who's got the higher credit scores - homeowners burdened with heavy mortgage debts, or renters who have no mortgage debt whatsoever? A study, based on a nationally-representative sample of three million individual credit files, concludes that it's not even close: Homeowners may lug around substantially bigger household debt loads, but...
- White papers 2006-08-28
- Seeking Credit in a Tough Market: A Round-Up of Advice
- With the turbulence in the financial markets and the resultant liquidity crunch, it's becoming harder for people and businesses to get credit. The Wall Street Journal recently reported that USAA Federal Savings Bank raised credit-score cutoffs and Citigroup is charging higher auto-loan rates for borrowers with less than perfect credit....
- Blog posts 2007-09-19
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