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Originally Posted by Vash
Yea Zip code and probably your FICO score. Have you pulled your credit report 3 + FICO to look?
You should be at half of that by 27.
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FICO Score is not the score insurance companies use. There is a special "insurance score" that is done for insurance companies by the credit agencies that weighs factors much differently than the FICO score to measure responsibility.
That said one of the obvious detriments to any score is if there is bad stuff (late/missed payments, judgments etc) on your reports, so definitely check them either way.