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Credit scoring is a tool used by insurance companies that allows
them to rate insurance risks higher or lower than the actuary guidelines I think many may say that credit scoring is a part
of actuary guidelines but I disagree. Credit worthiness should not be considered part of the reason you got a speeding ticket,
your insurance rate would be higher if got a speeding ticket. But if you went bad on a debt after you renewed your coverage
and got the higher rate due to the speeding then the rate will be higher once the lower
credit score is discovered.
 
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