A US bill is seeking to make it illegal for car insurers to determine premium by using consumers ' credit scores . “Historically marginalized populations have already had less access to wealth and credit building opportunities, and the continued use of credit histories to set auto insurance pricing compounds racial discrimination and exacerbates wealth inequality,” she said in a letter to colleagues. Rep Rashida Tlaib , D - Detroit , who introduced the bill , HR 1756 , said using credit scores to calculate premiums exacerbated income inequality and punished people for being poor . Car owners are reportedly not expecting the bill to become law , but it could be introduced as an amendment to another bill that seeks to revamp the US credit rating system .
A US bill is seeking to make it illegal for car insurers to determine premium by using consumers ' credit scores . Rep Rashida Tlaib , D - Detroit , who introduced the bill , HR 1756 , said using credit scores to calculate premiums exacerbated income inequality and punished people for being poor . Car owners are reportedly not expecting the bill to become law , but it could be introduced as an amendment to another bill that seeks to revamp the US credit rating system .