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Credit scoring debate continues In regard to Bart Anderson’s March article, “Credit scoring: Tough to explain, hard to beat,” if credit scores are such an accurate predictor of risk, why do most companies just use the rating of the first named insured? It seems that all insureds’ scores should be used to evaluate the exposure to loss. Or perhaps credit scoring is just another tool to permit insurance companies to price as they desire. Mike Scott, CPCU, CIC Cincinnati, Ohio

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