I have somewhat mixed feelings about this. On one hand, the consumer in me sees it an invasion of privacy.

On the other hand, I can see why the insurance companies do this; there is a certain intuitive sense in asserting that people with good credit ratings tend to be better insurance risks. The whole point of insurance is that people who are higher risk pay a higher premium.

There are already certain protections in place in Oregon. The insurance company must tell you that they are going to get a credit score, and there are strong restrictions on what they can do with that information.

Based on that, this measure does not pass my "really good idea" criterion. No on measure 42.