The stories are disconcerting. A 32-year-old secretary who always pays her premiums on time receives a renewal notice from her insurer that her rates are being raised 46% due to her credit. She discovers that her ex-husband's bankruptcy is to blame.A 65-year-old Hispanic-American man who has filed only one insurance claim in 26 years is told by his agent that his premiums are increasing 25%. Convinced that his carrier has discriminated against him, he and several other clients of the same agency file a class-action lawsuit.

A 65-year year-old man refuses his insurance company's request to check his credit. He has never used a credit card, nor has he had an accident or traffic citation in 50 years. Shortly thereafter, he receives his renewal statement showing a 20% increase in premium because he did not qualify for a credit-score discount.

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