Credit Scores and Insurance

Can you give me a list of companies that do not use credit scores when someone applies for home owners insurance? We live in Oregon.

Answer:

I wish I could give you a list like that! Unfortunately, virtually every insurer uses credit scoring or credit information as part of their process. Studies of credit score and claims show that how a person manages his or her financial affairs is a good predictor of insurance claims. That's why insurance companies now make use of credit information as part of their assessment of your application.

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