The Michigan Supreme Court supported the practice of using credit scores to set auto and home insurance rates of policyholders. Some say that using credit history discriminates against poor and middle-class people. But those in the insurance industry says it makes sense because credit scores are often indicative of whether a person will file claims. Michigan’s high court voted 4-3 in a case that questioned whether the state’s insurance examiner exceeded her authority in 2005 by trying to ban the credit-based scoring, according to the Detroit Free Press. “We’re very pleased with the ruling,” Peter Kuhnmuench of the Insurance Institute of Michigan told the Detroit Free Press. “The evidence was overwhelming.”

Those against the policy are now trying to get the legislature to ban it. The state House did approve the ban, but early predictions show a different outcome is likely in the Senate. Kuhnmuench told reporters that approving the ban would actually cause rates to increase for two-third of insurance policyholders. On the contrary, a state insurance consumer advocate claims the ban would cut rates for nearly three out of four insurance customers.

Chief Justice Maura Corrigan voted in favor, saying that insurance companies “have demonstrated a clear correlation between insurance scores and risk of loss,” justifying the use of credit scores. Chief Justice Marilyn Kelly who was against eliminating the ban said that the evidence supporting the connection between credit scores and insurance risk was not conclusive or complete.