Bad credit report shouldn't have an effect on car insurance charges, consultants say. States are listening – NBC 10 Philadelphia

Pedro Montenegro has an impeccable record between the bikes – he has never had a car accident, nor has he got a ticket. He's also never qualified for affordable auto insurance in his adult life.

This is something from the Montenegro, 30, who worked as a PR staff in Washington D.C. earning a "good living" is inextricably linked to poor credit, which is in the low 500.

Montenegro, who is a Guatemalan American, is facing the same battle faced by millions of drivers across the country who have excellent driving performance but pay higher premiums for having poor credit or no credit history. These two factors are far more common among color consumers.

After recognizing this inequality and lack of federal action, more and more states are trying to ban auto insurance providers' reliance on credit-based pricing. Some insurance companies have taken steps in states where this is possible to rely solely on driving behavior when determining premiums.

Read the full story here on NBCNews.com.

The US didn't create as many jobs as expected in April, leading to claims that some workers would rather collect unemployment insurance payments than get back to work. But Morning Consult's John Leer says a lot of people want to go back to work but can't afford it.

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