UT Credit Study

Click here to read the recently released independent study on insurance credit scoring.

Titled "A Statistical Analysis of the Relationship Between Credit History and Insurance Losses," it was commissioned by the Texas Senate and developed by the Bureau of Business Research at the University of Texas at Austin.

The study, which is similar to other studies examining this issue, found a "significant relationship" between an individual’s credit score and the likelihood of larger claims loss. TCAIS has proposed specific guidelines to protect those who might not benefit from credit which I have enclosed. TCAIS believes good public policy should strengthen the consumer protections regarding the use of credit information by insurers.

TCAIS has proposed specific guidelines to protect those who might not benefit from credit which I have enclosed. TCAIS believes good public policy should strengthen the consumer protections regarding the use of credit information by insurers. Click here to see TCAIS’ credit guidelines.