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FICO Successfully Defends Insurance Industry Use of Credit

The correlation between credit risk management patterns and insurance loss is statistically proven —and helps insurers make faster, fairer underwriting and pricing decisions

White paper


In recent months FICO has aided the insurance industry in successful defenses of credit-based insurance scores against regulatory and legislative restrictions in more than two dozen states across the nation. In almost every instance, decisions were made in favor of allowing insurers to use credit-based insurance scores in underwriting and pricing decisions. In one state recently, a court decision prevented that state's department of insurance from arbitrarily denying insurer rate filings that included insurers' planned use of credit-based insurance score