To outlaw the use of Insurance Scores due to the enormous errors and fraudulant practices by the Insurance Companies.

The Credit Reporting Agencies Trans Union, Equifax, and Experian along with the bigger insurance companies Progressive, GEICO, Farmers, and Statefarm and some other insurance companies have deviced a flawed scoring system that allows them to charge more for Home Owners and Auto Insurance Premiums. I have conducted multiple question and answer sessions with the three credit reporting agencies and they all have not been able to answer the one simple question "How are Home Owners and Auto Insurance Scores calculated?" I used three different people with the following Credit Scores 820, 790, 400. Credit Score 820 had HOI Score of 770 (Poor), AIS of 817 (Very Poor), Credit Score 790 HOI Score 440 (Very Poor) AIS 825 (Poor), Credit Score 400 HOI Score 890 (Very Good) AIS 950 (Very Good)