[20050119]RS21341_信用评分：信用保险分数.pdf

Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21341Updated January 19, 2005Credit Scores: Credit-Based Insurance Scoresname redactedAnalyst in EconomicsGovernment and Finance DivisionSummaryAn insurance score, a type of credit score, is a number produced by a computerscoring model that analyzes a persons credit information (i.e., payment history,collections, balances, and bankruptcies) obtained principally from that persons creditreports. Increasingly, insurers have been using insurance scores as an underwritingfactor to evaluate insurance applications, especially for automobile and homeownersinsurance, in predicting possible future insurance claims an applicant might generate.Insurers maintain that there is a clear statistical connection between a persons insurancescore and the likelihood of that person filing claims, as well as how expensive suchclaims might be. By using insurance scores, insurers say that they are able to chargelower premiums to most customers who are better risks. On the other hand, someconsumer advocates dispute the insurers position and argue that the use of insurancescores has a disparat