Congress asked two questions in 2003. What does credit scoring cost Black drivers, and could the same result be had with less harm. The Federal Trade Commission answered both, in 2007, in public.
Turn the scoring on and average predicted risk for African Americans rises ten percent. For white drivers it falls. More than half of all African Americans hold scores in the lowest quarter. Then the Commission printed one sentence more, third in its own conclusion: it has not been clearly established why scores are predictive of risk.
The number correlates. Nobody knows what it measures. You still cannot legally drive in most of this country without insurance, and its price is still set, in part, by that.