Since the mid 1990’s, insurers have been using consumer credit information for insurance pricing—resulting in so-called credit-based insurance scores. Insurance credit scoring is profoundly unfair to consumers for a variety of reasons. Among other problems, insurance credit scoring  penalizes consumers who are victims of economic, natural or medical catastrophes. These consumers pay higher auto or homeowners insurance rates simply because an unscrupulous lender made a deceptive loan or because a consumer is forced to pay huge medical bills because of a dread disease. Insurance credit scoring undermines the critical loss prevention role of insurance. The Center for Economic Justice fights insurers’ use of credit scoring and calls out industry apologists who blame the victims of insurance credit scoring.  CEJ’s research, reports and testimony on insurance credit scoring is the definitive resource on the subject.

Last Modified	Name	Last Modified	Rating
Last Modified	Name	Last Modified	Rating
2016-06-06 15:10	birnbaumires2012mcexamcreditscoring - birnbaumires2012mcexamcreditscoring.pdf » birnbaumires2012mcexamcreditscoring.pdf File Options Download Description Preview Other Versions Goto Post	2016-06-06 15:10
2015-11-15 18:40	CEJ Comments to NCOIL Property Casualty Committee Regarding Updates to Credit Scoring Model 151115 - cej_comments_ncoilbriefing_credit_scoring_model_151115.pdf » cej_comments_ncoilbriefing_credit_scoring_model_151115.pdf File Options Download Description Preview Other Versions Goto Post	2015-11-15 18:40
2014-07-07 18:38	CEJ Letter with CFA to NCOIL on Use of Credit Information in Personal Insurance 140707 - cej_comments_cfa_letter_ncoil_credit_scoring_model_act_140707.pdf » cej_comments_cfa_letter_ncoil_credit_scoring_model_act_140707.pdf File Options Download Description Preview Other Versions Goto Post	2014-07-07 18:38
2012-06-01 18:59	CEJ Presentation to NCLC/Suffolk University Law School Symposium on Consumer Perspectives on Credit Scoring 1206 - cej_presentation_suffolk_nclc_credit_scoring_symposium_1206.pdf » cej_presentation_suffolk_nclc_credit_scoring_symposium_1206.pdf File Options Download Description Preview Other Versions Goto Post	2012-06-01 18:59
2008-03-29 19:02	CEJ Report on Credit Crisis and Insurance Scoring 080329 - cej_report_naic_subprime_scoring_080329.pdf » cej_report_naic_subprime_scoring_080329.pdf File Options Download Description Preview Other Versions Goto Post	2008-03-29 19:02
2007-10-02 19:08	CEJ Testimony to House Financial Service Committee Subcommittee on Oversight and Investigations 071002 - cej_testimony_house_fin_serv_credit_scoring_071002.pdf » cej_testimony_house_fin_serv_credit_scoring_071002.pdf File Options Download Description Preview Other Versions Goto Post	2007-10-02 19:08
2007-06-01 19:06	CEJ Report on Credit Scoring and Insurance Perpetuating Economic Racial Divide 0706 - cej_report_NCLC_insurance_scoring_racial_divide_0706.pdf » cej_report_NCLC_insurance_scoring_racial_divide_0706.pdf File Options Download Description Preview Other Versions Goto Post	2007-06-01 19:06
2006-08-01 14:00	CEJ Presentation to IRES on Credit Scoring 0608 - CEJ_presentation_ires_credit_scoring_0608.pdf » CEJ_presentation_ires_credit_scoring_0608.pdf File Options Download Description Preview Other Versions Goto Post	2006-08-01 14:00
2005-01-01 19:01	CEJ Report on Insurance Credit Scoring 0501 - cej_report_ins_credit_scoring_0501.pdf » cej_report_ins_credit_scoring_0501.pdf File Options Download Description Preview Other Versions Goto Post	2005-01-01 19:01
2004-12-16 19:23	CEJ Testimony on Proposed Amendments to WAC Chapter 284-24A Rules 041216 - CEJ_testimony_wa_284_24A_credit_scoring_041216.pdf » CEJ_testimony_wa_284_24A_credit_scoring_041216.pdf File Options Download Description Preview Other Versions Goto Post	2004-12-16 19:23
2004-04-21 18:58	CEJ Presentation to Conference on Computers, Freedom, and Privacy on Technology Privacy Invasions of Vulnerable Groups 040421 - cej_presentation_cfp_redlining_040421.pdf » cej_presentation_cfp_redlining_040421.pdf File Options Download Description Preview Other Versions Goto Post	2004-04-21 18:58
2004-02-18 19:07	CEJ Testimony to CO House Finance Committee on Credit Scoring 040218 - cej_testimony_co_credit_scoring_040218.pdf » cej_testimony_co_credit_scoring_040218.pdf File Options Download Description Preview Other Versions Goto Post	2004-02-18 19:07
2003-07-11 19:21	CEJ Testimony on MA Use of Credit Information in Rating Personal Lines Insurance 030711 - CEJ_testimony_ma_credit_scoring_030711.pdf » CEJ_testimony_ma_credit_scoring_030711.pdf File Options Download Description Preview Other Versions Goto Post	2003-07-11 19:21
2003-06-01 19:16	CEJ Report to University of Texas Bureau of Business Research Study on Insurance Credit Scoring 0306 - CEJ_report_review_of_tx_study_credit_scoring_0306.pdf » CEJ_report_review_of_tx_study_credit_scoring_0306.pdf File Options Download Description Preview Other Versions Goto Post	2003-06-01 19:16
2003-06-01 19:10	CEJ Comments on NAIC and Insurance Credit Scoring: Missing in Action 0306 - CEJ_comments_naic_missing_credit_scoring_0306.pdf » CEJ_comments_naic_missing_credit_scoring_0306.pdf File Options Download Description Preview Other Versions Goto Post	2003-06-01 19:10
2003-03-31 18:57	CEJ Memo on Preemption Questions Regarding Credit Scoring 030331 - cej_memo_dj_credit_scoring_preemption_030331.pdf » cej_memo_dj_credit_scoring_preemption_030331.pdf File Options Download Description Preview Other Versions Goto Post	2003-03-31 18:57
2003-03-29 19:16	CEJ Testimony to AK House State Affairs Committee on Insurers Use of Consumer Credit Information 030329 - CEJ_testimony_ak_cr_scoring_030329.pdf » CEJ_testimony_ak_cr_scoring_030329.pdf File Options Download Description Preview Other Versions Goto Post	2003-03-29 19:16
2003-03-19 19:19	CEJ Testimony to KS House Insurance Committee 030319 - CEJ_testimony_ks_credit_scoring_030319.pdf » CEJ_testimony_ks_credit_scoring_030319.pdf File Options Download Description Preview Other Versions Goto Post	2003-03-19 19:19
2003-03-09 19:13	CEJ Comments to Credit Scoring Working Group on MAWG Activities 030309 - CEJ_letter_naic_credit_scoring_wg_030309.pdf » CEJ_letter_naic_credit_scoring_wg_030309.pdf File Options Download Description Preview Other Versions Goto Post	2003-03-09 19:13
2003-03-05 19:22	CEJ Testimony to NV Assembly Commerce and Labor Committee in Favor of AB 194 030305 - CEJ_testimony_nv_credit_scoring_030305.pdf » CEJ_testimony_nv_credit_scoring_030305.pdf File Options Download Description Preview Other Versions Goto Post	2003-03-05 19:22
2003-01-01 19:15	CEJ Report to OH Civil Rights Commission on Credit Scoring for Homeowners Insurance 0301 - CEJ_report_ohio_civil_rights_commission_credit_scoring_0301.pdf » CEJ_report_ohio_civil_rights_commission_credit_scoring_0301.pdf File Options Download Description Preview Other Versions Goto Post	2003-01-01 19:15
2002-11-21 19:11	CEJ Comments to NCOIL on Use of Consumer Credit Information in Personal Lines Insurance 021121 - CEJ_comments_ncoil_credit_scoring_personal_lines_021121.pdf » CEJ_comments_ncoil_credit_scoring_personal_lines_021121.pdf File Options Download Description Preview Other Versions Goto Post	2002-11-21 19:11
2002-01-23 18:39	CEJ Comments to FL Insurance Commissioner’s Task Force on Credit Scoring 020123 - cej_comments_fl_ins_commisioner_020123.pdf » cej_comments_fl_ins_commisioner_020123.pdf File Options Download Description Preview Other Versions Goto Post	2002-01-23 18:39