RE: Credit scoring and insurance premiums

[John Driessnack]

It makes sense to me that someone with credit problems would be willing to take more risks and thus be more of an insurance risk.   The behavior that got them to be a credit risk is probably correlated to behavior that would make them an insurance risk.   You drink to much and lost your job or did not get promoted....well you drink to much and drive!     jdd   John Driessnack, Lt Col, USAF Professor,  System Program Management Defense Systems Management College Bldg 205, Rm 115B Phone  703-805-4655   Admin Office 3670 >>> [EMAIL PROTECTED] 01/24/02 09:13AM >>> (Still not finished with year end work at work ...) Recently finished Prof. Caplan's fine "Stigler-Becker vs Myers-Briggs" paper. I believe strongly in MBTI (MB Type Indicator) (I'm an NTP, E/I). I like the Five Factor Model addition, but not name, of "Neurotic", and don't like the names of the other 2 FFM that are different.  However, the "Conscientiousness" category (more J, not P) of personality traits might be at work here -- other things seemingly equal, low scorers might be worse credit risks AND have higher losses. I strongly favor freedom (oppose restrictions) on categories insurance companies can use, ESPECIALLY those somewhat behaviourist: it's not your fault if you're a man instead of a woman under 25 -- it IS your fault that you didn't pay your credit card. Or missed a payment and paid later. etc. Tom Grey