A Reply to Criticism of the Missouri Department of Insurance Study "Insurance-Based Credit Scores: Impact on Minority and Low-income Populations in Missouri"

The Missouri Department of Insurance released a study in early 2004 concerning their evaluation of the impact of credit scoring on the insurance market in that state. A condensed version of that material appeared in the Spring 2004 JIR, and there have been a number of critiques of the Missouri study published in print and on the Internet. The principal author of that study replies to some of the technical issues that have been raised regarding the study's methodology and results.