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The insurance industry is now saying that it has hard data that proves that a driver with a bad credit score is more likely to slam on the breaks or step hard on the gas. These behaviors also correlate with being less educated, unmarried, or if you sell real estate for a living.

While the relationship between losses and many rating variables are intuitive and obvious, such as driver age or driving record, the relationship between loss and several other rating factors has largely been called into question in the past, particularly such variables as credit behavior, marital status, education, and profession.

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