Your score of 800 places you in the 79th percentile of consumers throughout the nation. If an insurance company evaluated you solely on your insurance score, you would be considered a GOOD risk. Because insurance companies use your insurance score with other underwriting guidelines (i.e. motor vehicle records, claims loss history), your risk level could change. For example, if you are considered a good risk but have a poor driving record and claims history, your ranking could be lowered.

It is important to know your insurance score because it is a determining factor in your home insurance. It is important to understand how your score is determined so you can improve your score over time.

Score 800

Graph shows the percentage of consumers who would receive a lower insurance score than yours. The maximum insurance score is 997.

Your ChoicePoint Attract^™ Homeowner Insurance Score is based on the information on your Equifax™ credit history. Knowing your insurance score and understanding the key factors affecting your score is important. The key factors will help you understand how you can improve or maintain your insurance score over time.

The key factors in influencing your score are:

Insurance companies use financial history along with other factors to properly classify you according to your potential risk. Studies have shown a correlation between a consumer's financial history and his/her future insurance loss potential. Thus, insurance companies believe the use of credit helps to underwrite an applicant at a cost that reflects their specific risk.

Each insurer develops underwriting decisions based on their own business requirements. Insurance companies evaluate credit reports and/or insurance scores according to their own proprietary strategies. Other information is frequently used to underwrite your insurance and determine your premiums, such as:

Application data
Prior loss data
Motor vehicle records

Your score of 800 places you in the GOOD risk category.

Important Note: The ChoicePoint Attract insurance score that you have received was generated using ChoicePoint's proprietary model. The score used by your insurance company may differ if it is generated using a different scoring model.

Reference #: 2818003907