InsurersÃ¢â‚¬â„¢ use of credit scoring and its impact on consumers will be the subject of a public hearing to be held tomorrow by the National Association of Insurance Commissioners (NAIC) in Arlington, VA. The hearing will focus on three key issues: an explanation of what constitutes a credit-based insurance score; an explanation of how insurers use credit-based insurance scores; and a discussion on how current economic conditions have affected policyholder premiums related to credit-based insurance scores. Dr. Robert Hartwig,Ã‚ president of the Insurance Information Institute (I.I.I.)Ã‚ will be among those giving testimony at the hearing. Check back on the I.I.I. Web site for a copy of Dr. HartwigÃ¢â‚¬â„¢s testimony. Check out further I.I.I. information on credit scoring.