Called my Insurance company today and asked them about effects of my CRs on insurance premiums. They don't use scores but they use information on age of accounts, inqs, lates, age of car loans etc.
Apparently I am "above average". But they were cool - they said they would check again for my next policy in January, and if I was better they would use it, and if I was worse they would ignore it
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid