A bill in the Alaska Senate would allow insurers to use customers' credit history in the renewal of coverage including auto, renters and homeowners insurance. No other state forbids insurers from using credit scores as a factor in renewing policies, said PCI's Kenton Brine. "In most cases, most consumers have good enough credit that they either are not going to be affected by their credit score, or they're going to pay less for insurance because they're going to represent a better risk than they would if we didn't use it," he said.

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