Advocates of the use of credit scores in personal lines underwriting and rating could be excused if they are feeling a bit under siege lately.The industry has been generally pleased with the actions of state legislatures that have supported carriers' use of consumers' credit information for approving policies and setting policy rates.

But a recent court decision, as well efforts by the National Association of Insurance Commissioners (NAIC) to press on with a study of the practices' alleged disproportionate impact on minority and low-income groups, could mark a significant shift in the wind in efforts to legitimize carriers' use of credit scoring on a national basis.

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