Credit Scoring Education Efforts Pay Off With two states approving it and more than a dozen others pushing it through their state houses, a standardized model introduced by a national insurance legislators group last year may go a long way toward resolving an issue that had previously pitted insurers against consumers and insurance agents.

The issue, the use of credit insurance scoring, has given rise to legislative activity across the United States.

Insurers claim they need the scoring mechanism to keep rates fair for everyone and that the subject is largely misunderstood by consumers and their advocates.

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