Three different statistical models were used to assess differences in scores between minority and low-income individuals, as opposed to residents of high minority or low- income areas (not all of whom, of course, are minorities or poor). Based on the most credible of the three models, African-American and Hispanic insureds had scores in the worst credit score group at a rate of about 30 percentage points higher than did other individuals (for example, where 30 percent of one group may have poor scores, compared to 60 percent of another group). A gap of 30 percentage.
