This study does not examine the relationship between credit scores and the likelihood of insurance losses. Regulators and consumer groups have expressed growing concern that use of credit scores may restrict the availability of insurance products in predominantly minority and low income communities, markets that already show signs of significant affordability and access problems (Kabler, 2004). Components common to most scoring models have been made public: high debt to limit ratios, derogatory items such as collection actions, liens, and foreclosures, the number of loan and credit card applications, and the.
