Too high of a ratio can cause one’s credit score to decrease. Simple things like shredding non-essential documents, making sure that computers and any other devices that are connected to the web are protected by programs to defend against outside threats and having mail sent to a P.O. box can prevent possible identity theft before it get credit reports Alaska happens.
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The practice is commonly referred to as “credit scoring” and it has long pitted policy providers against consumer advocates and other critics who claim it punishes those with poor credit. how to get free annual credit report The effects of credit get credit reports Alaska on coverage prices in some states can be significant. A car get credit reports Alaska insurance comparison conducted by Texas regulators showed that, in their get credit reports Alaska state, the practice caused “rate swings ranging from a 40 percent decrease to a 40 percent get credit reports Alaska increase” for 90 percent of personal auto policies.
The Massachusetts Association get credit reports Alaska of Insurance Agents (MAIA) last week launched a petition drive to prohibit carriers from setting rates based on credit scores, education or the type of work a consumer does. “Using these get credit reports Alaska factors to set auto rates is simply unfair, discriminatory and unreliable,” get credit reports Alaska MAIA President Frank Mancini said in a statement. The Property Casualty Insurers Association of America (PCI)—which represents more than a get credit reports Alaska thousand insurers nationwide—shot back, saying it was “disappointed” by the MAIA’s efforts. PCI pointed out in a statement that Massachusetts already has an administrative rule against credit scoring. fair credit reporting act free credit report MAIA officials, who believe that auto premiums should be determined by consumers’ driving histories, said the rule is insufficient protection. In addition to the ballot measure, the association is supporting a Senate bill that would outlaw credit scoring. The fight over credit scoring has raged across the nation for the past decade.
Insurers tend to support the use of credit histories, holding that credit status is a reliable predictor of risk that helps them price policies more accurately.
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