Plain-English meaning
A rating tool that may use credit-related and other permitted information to estimate insurance risk, subject to state law.
Why it matters
It can affect premium or eligibility where its use is permitted.
Where you may see it
Adverse-action notices, underwriting disclosures, and state consumer guides.
What to verify
Data source, state restrictions, accuracy, explanation rights, and correction or reconsideration process.
Do not confuse it with
A consumer credit score; the models and purposes are not necessarily the same.
For policy-specific meaning, read the definition and related provision in the issued policy.