I looked into this a few months ago when my insurance company started using insurance scores and raised my auto rates. Here is what I found out: 1. My credit score is "excellent" but my insurance score is "very poor," despite never having an insurance claim or late credit payments, apparently due to my cancelling a long time credit card that started charging an annual fee. This had little effect on my still excellent credit score, but it really dinged my insurance score. 2. My insurance company "batch orders" insurance scores (many people at a time) without using SS numbers, which initially pulled "late payment" information from someone else with my same name. It took me hours on the phone with Fair Issac to figure out the problem and have the insurance company pull my credit report again using my SS number - still my insurance score is very poor. I wish my state (WA) would prohibit insurance companies from using insurance scores like the several other states that have done so.
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