Racketeering at it's best. 1*They use the bad credit as an excuse to jack your premium then use the credit again to weasel out of paying claims. Nothing like jacking your rate for coverage they have no intention to provide. --------------------------------------lb 2*Yep, you've hit the nail on the head. I'm in the insurance business, and this whole credit things has been a scam in my opinion right from the start. 3* I hope there are enough law suits to put a stop to it, but I'm not holding my breath. BusyBee =================== 1*Where this is even worse is with mandatory auto insurance. The government is forcing you to buy a product that in effect doesn't exist. It's more like forced free donations to insurers than it is required insurance. 2*With my background and years of experience it isn't hard to realize things. 3*I have some ideas about stopping it.