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FICO Credit-Based Insurance Scores Fact Sheet

Most consumers benefit from the use of insurance scores

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"Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance,” the Federal Trade Commission noted “if credit-based insurance scores are used, more consumers (59%) would be predicted to have a decrease in their premiums than an increase.” According to insurers, up to 75 percent of their policyholders pay lower premiums because of the insurer’s use of credit-based insurance scoring within their underwriting process.