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References

1.    www.ufaa.com/News & Articles/HotTopics/CreditScoring/UFAAOpposes.htm

2.    Extended Comments of Birny Birnbaum , January 23, 2002

3.   AIA Statement to the NAIC for Hearing on Credit-Based Insurance Scores

4.   References provided  by the1998 Joint Economic Committee Study by the 105th Congress

For example, see Jane Gross, "Poor Without Cars Find Trek to Work Is Now a Job," New York Times, 11/18/97; Lorraine Woellert, "D.C. Students 'Go Where the Money Is'; Turn to Suburbs for Summer Jobs," The Washington Times, 6/24/95; and William Julius Wilson, When Work Disappears (New York: Vintage Books, 1996), 39-42.

 Keith R. Ihlanfeldt and Madelyn V. Young, "The Spatial Distribution of Black Employment Between the Central City and the Suburbs," Economic Inquiry 34, no. 4 (October 1996): 693-707.

69 John D. Kasarda, "Industrial Restructuring and the Changing Location of Jobs," in State of the Union: America in the 1990s. Volume I: Economic Trends, ed. Reynolds Farley (New York, NY: Russell Sage Foundation, 1995), 235, 262.

The Impact of Personal Credit history on Loss Performance in Personal Lines by James E. Monaghan

Commonwealth of Virginia 1999 Report of the State Corporation Commission's Bureau of Insurance on the Use of Credit Reports in Underwriting to the State Commerce and Labor Committee of the General Assembly of  Virginia (not available online)

The Use of Credit Related Related Information in the Underwriting of homeowners and Automobile Insurance in the State of Arkansas, 1996.(not available online)

Journal of Insurance Regulation, NAIC, 1989, Volume 8, Number 2
Driver Record: A Political Red Herring that Reveals the Basic Flaw in Automobile Insurance Pricing

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