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13 States File Briefs Against Credit Scoring in U.S. Supreme Court Case

National News • December 27, 2006
Delaware Insurance Commissioner Matt Denn has taken arguments against insurance industry use of credit scoring to the U.S. Supreme Court, filing a brief in a pending case involving the ...

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Subject: RE: Credit Scoring

Posted On: December 27, 2006, 3:17 pm CST
Posted By: John D. Wiemann
Comment:
I wish our insurance commissisioners would spend more time and resources fighting real problems in the insurance industry. Besides, anyone who really understands the insurance scoring method knows that credit is only one factor used in the overall rating of a client. In addition, each company uses different ratios to determine their own company insurance ratings. Choicepoint (a private for profit company) creates the insurance scores which allows the insurance companies to fairly apply rates based on their key indicators that are proven with "empirical data" to indicate the potential risk to the carrier. Last time I checked, most insurance contracts are unilateral agreements and if the consumer doesn't like CREDIT SCORING, then perhaps they should shop somewhere else. Finally, if credit or insurance scoring didn't work then most companies would have abandon this practice years ago. For the record, I believe most companies have converted to this method of underwriting for auto and home p&c.
Subject Posted By Posted On
A different perspective C Hanson
Jan 18, 2007, 12:51 pm
RE: Monopolize The Insurance Industry Ex Geico
Jan 16, 2007, 6:31 pm
RE: Dear Ex Geico Ex Geico
Jan 16, 2007, 6:17 pm
Dear Ex Geico Einstein
Jan 16, 2007, 5:36 pm
RE: RE: The real World ( get real) Former GEICO Employee
Jan 16, 2007, 5:00 pm
At the end of the day.... Former GEICO employee
Jan 16, 2007, 4:39 pm
really the end...... Einstein
Jan 5, 2007, 9:09 am
Insurance Score Considerations W. M. Wilson
Jan 4, 2007, 9:34 pm
RE: RE: RE: Predictor! R W Schlotzki
Jan 4, 2007, 2:57 pm
The end........but Einstein
Jan 3, 2007, 3:18 pm
no credit chad balaamaba
Jan 3, 2007, 3:07 pm
RE: CAS study Mica
Jan 3, 2007, 3:02 pm
CAS study Getting Screwed
Jan 3, 2007, 1:41 pm
credit scoring former geico employee
Jan 3, 2007, 11:03 am
right or wrong? Einstein
Jan 3, 2007, 10:46 am
RE: RE: underwriting isn't as simple as checking credit Ray Balaamababa
Jan 3, 2007, 10:26 am
RE: underwriting isn't as simple as checking credit LLCJ
Jan 3, 2007, 8:14 am
RE: RE: RE: RE: RE: Credit Scoring Biased Ed
Jan 2, 2007, 7:53 pm
RE: RE: underwriting isn't as simple as checking credit Einstein
Jan 2, 2007, 7:42 pm
RE: RE: RE: RE: RE: RE: RE: RE: The real World ( get real) Einstein
Jan 2, 2007, 7:00 pm
RE: underwriting isn't as simple as checking credit get real
Jan 2, 2007, 6:31 pm
RE: RE: RE: RE: RE: RE: RE: The real World ( get real) get real
Jan 2, 2007, 6:22 pm
RE: Race based underwriting NTXCoog
Jan 2, 2007, 4:50 pm
underwriting isn't as simple as checking credit Ray Balaamababa
Jan 2, 2007, 4:00 pm
RE: RE: RE: underwriting isn't as simple as checking credit LLCJ
Jan 2, 2007, 3:50 pm
RE: RE: underwriting isn't as simple as checking credit Ray Balaamababa
Jan 2, 2007, 3:25 pm
RE: underwriting isn't as simple as checking credit LLCJ
Jan 2, 2007, 3:18 pm
underwriting isn't as simple as checking credit Ray Balaamababa
Jan 2, 2007, 2:36 pm
RE: RE: Predictor! LLCJ
Jan 2, 2007, 1:11 pm
RE: RE: RE: RE: RE: RE: The real World ( get real) Einstein
Jan 1, 2007, 3:27 pm
RE: RE: RE: RE: RE: The real World ( get real) get real
Jan 1, 2007, 3:02 pm
RE: RE: RE: RE: The real World ( get real) Einstein
Jan 1, 2007, 1:07 pm
RE: RE: RE: The real World ( get real) get real
Jan 1, 2007, 10:48 am
RE: RE: The real World ( get real) Einstein
Dec 31, 2006, 1:56 pm
RE: The real World ( get real) get real
Dec 31, 2006, 1:45 pm
RE: The real World ( get real) Mjolnir
Dec 31, 2006, 12:34 pm
The real World ( get real) Einstein
Dec 30, 2006, 9:24 pm
The real World Eintstein
Dec 30, 2006, 9:06 pm
RE: right or wrong? get real
Dec 30, 2006, 8:44 pm
RE: right or wrong? Mica
Dec 30, 2006, 7:34 pm
right or wrong? einstein
Dec 30, 2006, 4:04 pm
RE: Credit Scoring get real
Dec 30, 2006, 11:00 am
RE: RE: Touch a nerve get real
Dec 30, 2006, 10:52 am
RE: Touch a nerve get real
Dec 30, 2006, 10:48 am
RE: RE: RE: The Study Get real
Dec 30, 2006, 10:43 am
only time will tell Einstein
Dec 29, 2006, 1:10 pm
RE: Credit Scoring Vs Insurance Scoring Mica
Dec 29, 2006, 11:44 am
Monopolize The Insurance Industry Justice
Dec 29, 2006, 10:34 am
Credit Scoring Vs Insurance Scoring JB
Dec 29, 2006, 6:35 am
RE: RE: RE: RE: Credit Scoring Biased Einstein
Dec 28, 2006, 8:23 pm
RE: RE: Touch a nerve Dennis
Dec 28, 2006, 4:49 pm
RE: Touch a nerve Mica
Dec 28, 2006, 1:26 pm
RE: Predictor! needs proof
Dec 28, 2006, 1:13 pm
Credit Scoring Nan
Dec 28, 2006, 11:16 am
Thank you. Mjolnir
Dec 28, 2006, 9:39 am
insurancescore.net is Fraudulent David
Dec 28, 2006, 8:52 am
Credit Scoring Insurance Monkey
Dec 28, 2006, 8:47 am
RE: Credit Scoring caveat emptor
Dec 27, 2006, 6:22 pm
Credit Scoring Mjolnir
Dec 27, 2006, 5:28 pm
RE: RE: Calif Rating System Works Without Credit Scoring John Scrader
Dec 27, 2006, 5:00 pm
RE: Calif Rating System Works Without Credit Scoring Calif Agent
Dec 27, 2006, 4:41 pm
what a discussion! bob
Dec 27, 2006, 4:30 pm
RE: Unintended Consequences Humor
Dec 27, 2006, 4:29 pm
Unintended Consequences Joe Agent
Dec 27, 2006, 4:21 pm
RE: RE: The Study Tiffany Sanders
Dec 27, 2006, 3:53 pm
abolish credit scoring - increase my commission gill fin
Dec 27, 2006, 3:51 pm
RE: RE: Credit Scoring Dawn
Dec 27, 2006, 3:45 pm
Geico Coach
Dec 27, 2006, 3:44 pm
RE: RE: Credit Scoring Tracy
Dec 27, 2006, 3:36 pm
RE: Credit Scoring John D. Wiemann
Dec 27, 2006, 3:17 pm
RE: The Study Danny P
Dec 27, 2006, 3:10 pm
Touch a nerve Don
Dec 27, 2006, 3:06 pm
The Study PL Guy
Dec 27, 2006, 3:00 pm
Race based ....To: LLJC Danny P
Dec 27, 2006, 2:57 pm
RE: RE: Race based underwriting LLCJ
Dec 27, 2006, 2:48 pm
To Bob Abe
Dec 27, 2006, 2:34 pm
RE: Race based underwriting MC
Dec 27, 2006, 2:27 pm
RE: Race based underwriting bob
Dec 27, 2006, 2:25 pm
Race based underwriting Danny P
Dec 27, 2006, 2:17 pm
I love credit scoring bob
Dec 27, 2006, 2:16 pm
RE: RE: RE: RE: RE: RE: Credit Scoring Biased ernie
Dec 27, 2006, 2:11 pm
RE: RE: RE: RE: RE: Credit Scoring Biased Judgment, decisions
Dec 27, 2006, 1:42 pm
Predictor! LLCJ
Dec 27, 2006, 1:41 pm
RE: RE: Credit Scoring Biased JW
Dec 27, 2006, 1:39 pm
RE: RE: RE: RE: Credit Scoring Biased C.Williams
Dec 27, 2006, 1:31 pm
Credit rating of Insurance rating Ron Meyer
Dec 27, 2006, 1:27 pm
RE: RE: RE: RE: RE: Credit Scoring Biased LLCJ
Dec 27, 2006, 1:26 pm
RE: RE: RE: RE: RE: Credit Scoring Biased The Truth
Dec 27, 2006, 1:25 pm
RE: RE: RE: RE: Credit Scoring Biased Really???
Dec 27, 2006, 1:17 pm
RE: RE: RE: Credit Scoring Biased Can't believe this crap
Dec 27, 2006, 1:12 pm
Redlined Jeff the Cynic
Dec 27, 2006, 11:52 am
Credit Scoring Biased Redlined
Dec 27, 2006, 11:19 am
RE: RE: Credit Scoring Biased get real
Dec 27, 2006, 10:55 am
RE: Credit Scoring Biased Mjolnir
Dec 27, 2006, 10:43 am
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