responsible high-income consumers. In addition, those companies warrant that factors such as income, gender, marital status, religion, nationality, age, and location of property are not used in their credit scoring models. At the same time, these entities have not addressed factors that may appear neutral on their face but have a disparate impact on protected categories of consumers. For example, some scoring systems consider the source of credit that a consumer uses and consumers who rely on finance companies and other subprime lenders may receive lower credit scores. This may have a disproportionate impact on minorities. What kind of credit information are insurance companies using? Although some insurance companies still look at your actual credit report, most companies that use credit information are using a "credit score." A credit score is a snapshot of your credit at one point in time. Insurance companies and entities that have developed credit scoring models use several factors to determine credit scores. Each factor is assigned a weighted number that, when applied to your specific credit information and added together, equals your final three-digit score ranging from 0-999, depending on the insurance company and the credit scoring model used. Generally, the higher the number, the more financially responsible the consumer is. Following is a list of the more common factors used: - Major negative items bankruptcy, collections, foreclosures, liens, charge-offs, etc. - Past payment history number and frequency of late payments; days elapsed between due date and late payment date. - Length of credit history amount of time you've been in the credit system. - Home ownership whether you own or rent. - Inquiries for credit number of times you've recently applied for new accounts, including mortgage loans, utility accounts, credit card accounts, etc. - Number of credit lines open number of major credit cards, department store credit cards, etc. that you've actually opened. - Type of credit in use major credit cards, store credit cards, finance company loans, etc. - Outstanding debt how much you owe compared to how much credit is available How are insurance companies using credit? Companies are using credit in two ways: Underwriting - deciding whether to issue you a new policy or to renew your existing policy. Some state laws prohibit insurers from refusing to issue you a new policy or from non-renewing your existing policy based solely on information
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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wellArthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
TheArthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Arthur P. Barnes Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession.
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