Allstate's decision to alter the way they score customers in no way means that the way that they were scoring customers didn't work. Nowhere does it say that scoring doesn't work. What's said is that minorities are complaining because they don't score as well. Since race, income, or location are not...

Cathiea, I'm sorry, but your wrong. Neither Choicepoint nor any of the three credit bureaus have a report for utility bills. Only lines of credit appear on reports and a utility service is not a line of credit. You purchase a product from them, that's all. My company's Choicepoint rep was in the off...

I'm w/ Brandy on this one. If they use the info, they have to get the info from somewhere. Since it's not on the credit report then I would like to know where they get it. Cathiea, if you don't believe us then I suggest you go to http://www.annualcreditreport.com and pull a free copy of your report ...

I'm glad to see some agents that are happy about insurance scoring. In my line of work I usually only hear from the unhappy ones.

Also, I'm not trying to be a jerk in my arguments. I just enjoy a good debate about a controversial topic.

Independant guy, I'm sure that you are right about the cops thing. I too have owned red cars and drove them just like I drove the rest and for some reason I was pulled over more in my red cars. It should be noted that people buy cars for different reasons. Some people buy red cars because they like ...

Amen, jaybird.

The really funny thing is that the Fair Credit Reporting Act which gives insurance companies the right to use credit was passed by a Democratic congress.

Brandy, I didn't address the life circumstances statement because I've already addressed it. Below is a segment from post that I made yesterday. "2) People that are chronically ill, lost a job, suffered the loss of a spouse, were recently divorced or pretty much any other bad thing that can hap...

Michael,

Of course you are welcome. What are your thoughts on the subject and all of this back-and-forth about it?

Brandy, Read back over this thread. I did not post the link to any site. I've not endorsed any site. If asking the person that did makes me a spammer, then sure, I'm a spammer. I do plan on trying the site out because it is possible for an insurance score to be improved. If you know what goes into t...

Cathiea, Once again you are showing your complete ignorance in the subject. Allow me to educate you (which I can do since I'm an agent that deals with this sort of stuff and before I was an agent I was a credit analyst for a major insurance company). 1) Debt to income ratio is not used in either ins...

Cathiea, How can you go on and on about how insurance credit scores are bogus and unfair and then say the following in the same paragraph? "They keep justifying it because that segment of the population has always been higher risk therefore the claims are more numerous. " If you believe th...

Brandy, Nobody has ever said that having a bad insurance credit score causes claims. It's not like some poor fellow is drving down the road and thinking about all of his financial problems and is so distracted that he wraps his car around a telephone pole. To give a more relevant example, think abou...

You guys are so upset about insurance companies using credit information. That's understandable. What's not understandable is why you scoff at an idea that may help you get around it. Complaining won't keep the companies from using the information. We all know that us as agents aren't going to convi...

Really, no SSN? I thought that everything credit related required a SSN to acces the reports.

Anyway......

Insurance Monkey. I've never heard of this InsuranceScore.net. How long have you been using them?