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The credit scores have been also found to predict threat inside each of the ethnic groups, leading the FTC to conclude that the scoring models usually are not solely proxies for redlining. The FTC indicated little information was obtainable to judge advantage of insurance scores to customers. An unbiased insurance marketing consultant advises insureds on a fee-for-service retainer, just like an lawyer, and thus presents fully independent recommendation, freed from the monetary battle of interest of brokers or brokers.

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