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How Credit‑Based Scoring Squeezes Low‑Income Renters in California - Data, Disparities, and Emerging Solutions
Hook: In 2024, a single mother in Fresno discovered that a $400 credit-based surcharge was the difference between keeping her car and going uninsured. Her story is not an outlier - it mirrors a statewide pattern where credit scores, rather than driving behavior, dominate auto-insurance pricing for millions of renters.
