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Message Subject credit cards now using "behavior scoring" but not necessarily YOUR behavior
Poster Handle Anonymous Coward
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We have a choice usualy about using credit.What burns me is what insurance gets away with.They charge you more if you are the wrong age,gender,live in the wrong neighborhood,or even charge you based on credit history.Credit history is often wrong BTW.I can understand them doing this to a point,but if you are going to charge someone more than they should be entitled to get most of the money refunded if they have shown to be responsible from their driving history otherwise they are just stealing and the government is forcing us to do business with people that steal..As for the credit agencies I know from personal experience they are not held accountable.They never kept any record of my history except when Blue Cross did not pay a medical bill after making the cancellation of the insurance retroactive.They also did not send my credit report after I was turned down for credit.They instead requested more proff of address than I could provide because all my utilities were included with rent.They should work with consumers to ensure that they have accurate redords but they never did so there reports are not a very good way to judge risk.
 
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