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Progressive argued that credit card ownership demonstrated financial stability which in turn was correlated to a decreased loss ratio a decreased claim frequency and a decreased claim severity. 3 of the Actuarial Standards Board Standard of Practice No. 12 Concerning Risk Classification. C. The use of an applicant s or insured s credit card information for rating and/or underwriting purposes is unfairly discriminatory and violates AS D. 2. The filing was approved on October 4 1995. 3. One of...
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