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Free Transunion Credit Based Insurance Scores thru CK

Valued Contributor

Free Transunion Credit Based Insurance Scores thru CK

I went on CK to check out my VS 3 scores and found an easy link to CBIS scores from Transunion. Just click on the Auto Icon. (see paste below).

 

TU CBIS link.jpg

 I was a bit shocked to see a major drop in score. I then clicked on "learn more about your insurance score" and was able to access my Home CBIS. A major hit on this score as well. One lousy inquiry drops my TU CBIS Auto score 33 points (902 to 869) and Property/Home score also dropped 33 points (950 to 917). [Note these two CBIS scores don't always change in unison but, the inquiry impact is the same]

TU insurance scores.jpg

I would pay to check my LexisNexis CBIS as well - but those scores are no longer available Smiley Sad Smiley Mad The takeaway for me is CBIS models appear to be very sensitive to credit seeking relating to HPs alone. I shudder to think how the models would treat a bunch of new accounts (particularly store cards).

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 1 of 38
37 REPLIES
Frequent Contributor

Re: Transunion Credit Based Insurance Scores

This is interesting! I don't actually own a car or pay car insurance myself but I'm an authorized driver on my grandparents 2000 Buick. The info still popped up when I clicked on the Auto icon.

 

I should also note that per CK my CBIS score is 852 while my VS 3.0 scores are 566 & 569 per CK. FICO scores are 566-575. I'm really curious what the factors and weights are for CBIS scores as I have two store cards, numerous lates, nine collections & charge-offs, four accounts less than 6 months old, and two inquiries on TU. I'm really surprised my CBIS score was as high as it is.

TCL: $1,450 | AAoA: 7.8 yrs (I can thank my student loans for this) | Util: 62% (high due to charge-offs) Smiley Sad
Cleaning up and rebuilding after a long hiatus from credit
Message 2 of 38
Valued Contributor

Re: Free Transunion Credit Based Insurance Scores thru CK

Thanks for the data point. You should have access to both an Auto and Home CBIS score. Your CBIS score of 852 is, well, mind blowing given your credit file derogs and VS3 TU and Fico TU scores are under 600. Perhaps data is being pulled from a file that is not yours.

 

The TransUnion CBIS models are a bit of a mystery and there are few data points to utilize in getting a handle on how the model(s) score various attributes.

 

***CBIS data points from additional posters are encouraged***

 

Pasted below is a dated, 14 year old, CBIS reason code table from TU.

TU CBIS 1.jpgTU CBIS 2.jpgTU CBIS 3.jpg

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 3 of 38
Frequent Contributor

Re: Transunion Credit Based Insurance Scores


@Thomas_Thumb wrote:

Thanks for the data point. You should have access to both an Auto and Home3 CBIS score. Your CBIS score of 852 is, well, mind blowing given your credit file derogs and VS3 scores are under 600..

 

The TransUnion CBIS models are a bit of a mystery and there are few data points to utilize in getting a handle on how the model(s) score various attributes. Other CBIS data points are encouraged


I didn't see two tabs on mine like you show in your screenshot - perhaps the option only shows if they have data on you?

TCL: $1,450 | AAoA: 7.8 yrs (I can thank my student loans for this) | Util: 62% (high due to charge-offs) Smiley Sad
Cleaning up and rebuilding after a long hiatus from credit
Message 4 of 38
Valued Contributor

Re: Free Transunion Credit Based Insurance Scores thru CK

As I recall you have to click on more information to go from the auto only graph to another web page that offers both scores and an extended history.

 

Below is a rating graph for CBIS as provided by TransUnion (not avaliable through CK).

Also pasted is a distribution of scores put together by TT in 2016.

 

TU insurance scores.gifTU Auto insurance score distribution.gif

 

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 5 of 38
Community Leader
Valued Contributor

Re: Transunion Credit Based Insurance Scores


@beutiful5678 wrote:
I didn't see two tabs on mine like you show in your screenshot - perhaps the option only shows if they have data on you?

I've never been able to find my insurance scores through Credit Karma's interface. And while a direct link has been posted here from time to time, I always lose it.

 

A great way to get in that's hard to forget is to Google credit karma insurance score. Hit the link, and "Auto Insurance Score - Credit Karma" will top the list. Follow it, and on the page that comes up, scroll to the bottom until you see a button that says "Get My Auto Insurance Score." Hit the button, and you'll be prompted to log in. And voila! You'll see the score. Hit the Home Insurance Score tab at the top of that page, and you'll see that score too.

Message 6 of 38
Super Contributor

Re: Transunion Credit Based Insurance Scores


@Thomas_Thumb wrote:

I went on CK to check out my VS 3 scores and found an easy link to CBIS scores from Transunion. Just click on the Auto Icon. (see paste below).

 

TU CBIS link.jpg

 I was a bit shocked to see a major drop in score. I then clicked on "learn more about your insurance score" and was able to access my Home CBIS. A major hit on this score as well. One lousy inquiry drops my TU CBIS Auto score 33 points (902 to 869) and Property/Home score also dropped 33 points (950 to 917). [Note these two CBIS scores don't always change in unison but, the inquiry impact is the same]

TU insurance scores.jpg

I would pay to check my LexisNexis CBIS as well - but those scores are no longer available Smiley Sad Smiley Mad The takeaway for me is CBIS models appear to be very sensitive to credit seeking relating to HPs alone. I shudder to think how the models would treat a bunch of new accounts (particularly store cards).


Thanks @Thomas_Thumb


FICO8 EQ 769 TU 796 EX 764 Total revolving limits 569900 (484900 reporting)






Message 7 of 38
Valued Contributor

Re: Free Transunion Credit Based Insurance Scores thru CK

Pasted below is the full sequence I used to navigate to CBIS after logging in to CK. Refer to the red arrors. Each click takes you to a new screen sequenced top to bottom. You will need to scroll down on some of the screens to get to the display pictured.

 

*** please add data points***

CK CBIS nav 1.jpgCK CBIS nav 2.jpg

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 8 of 38
Senior Contributor

Re: Transunion Credit Based Insurance Scores

Screenshot_20180602-223150.png


Nice find TT!

Looks like my Auto insurance score dropped 10 points with 1 recent inquiry.

Screenshot_20180602-221713.pngScreenshot_20180602-221748.png

FICO 8 Scores EQ=776 TU=783 EX=777 (INQ) EQ=12 TU=11 EX=11
TCL=$600K+ / AAOA= 2.9 yrs / Oldest account = 10.9 yrs
Message 9 of 38
Frequent Contributor

Re: Transunion Credit Based Insurance Scores

Very helpful step-by-step instructions!

 

CK Auto Insurance Snip.PNGCK Auto Insurance ScoreThe dip in May was due to a 30-day late reporting (went Apr 852 --> May 789 --> Jun 852) and the score seems to have bounced back quickly. I think the two things helping my score (per the screenshot and link below) are the thickness and length of my history. I have 40 accounts, AAoA is 7.8, and AoOA is 12.1 years. (Unfortunately, along with that thick history I also have 70+ lates payments reporting - having multiple Stafford loans can be a blessing and a curse.)

 

My home insurance score "needs work" - it's probably a good thing that I don't own a home, LOL.

 

CK Home Insurance Snip.PNGCK Home Insurance Score

https://www.creditkarma.com/auto/i/insurance-scores-affect-car-insurance-rates/

CK Auto Insurance Inputs.PNGAuto Insurance Inputs

TCL: $1,450 | AAoA: 7.8 yrs (I can thank my student loans for this) | Util: 62% (high due to charge-offs) Smiley Sad
Cleaning up and rebuilding after a long hiatus from credit
Message 10 of 38