I know this issue has been discussed before - but these guys are pretty damn scammy! One thing I learned is that payment history counts 45% for insurance rather than 35% (which is what I think it is in the regular "credit" profile.) We clearly need to contact our local state and federal reps to complain about these wankers. Tom
You are right: If the feds won't crack down on them take it to the states. Attack them from fifty fronts instead of 1 federal one that tries to rule them with a paper tiger that has no teeth or claws.