Most people have good credit. The average credit score is 682 according to Fair Issac.
Experience has shown that fiscally responsible consumers with good credit scores have fewer losses than individuals with poor financial track records.
Credit information provides an indication as to how a person manages their financial obligations. Research shows that people who manage their financial responsibilities also manage other important aspects of their life. Careful behavior leads to fewer accidents. The Texas Department of Insurance found that the average loss for people with the worst credit history is DOUBLE that of people with the best credit. Drivers with the best credit are involved in 40% fewer accidents than those with the worst credit.
In addition, homeowners insurance losses for people with the worst credit are triple that of people with the best credit.
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