개인 신용점수가 보험료에 영향을…
연구에 의하면 개인 신용점수와 보험 청구정도에 직접적인 연관이 있다고한다.
Personal credit score vs Insurance Premium
Studies have clearly showed a direct link between personal credit score and insurance loss costs. Insurers have been applying client’s credit information as one of their main property insurance rating factors. They believe it allows them to provide accurate pricing and offer the best possible price for their property insurance clients. They will not use credit to deny coverage or increase the cost of a policy.
Consent is voluntary and may be withdrawn at any time in writing. Clients who consent to using their credit score may be eligible for an improved quote. Insurance company said credit check is done on soft hit base only and doesn’t affect on their credit history.
More and more insurers began to use the same information for commercial insurance clients.