ANNAPOLIS, Md. - A report issued by the Maryland Insurance Administration (MIA) on the use of credit-based insurance scoring found no basis for any conclusion that credit history is skewed toward ethnic minorities or low-income individuals.

"Not surprisingly, Maryland's study provided no conclusive evidence that insurance scores are anything less than objective, accurate underwriting and rating devices benefiting most policyholders with lower premiums," said Diana Lee, assistant vice president of research for the Property Casualty Insurers Association of America (PCI).

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