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  1. I understand that there are multiple models of FICO scores in use, as well as various industry "enhanced" scores. I also understand the difference between FICO/FAKO scores - and I'm beginning to feel that I have a grasp of what does what in relation to changing the various scores. One particularly weak point in my mind is what (if any) specialized score might come into play for Home Insurance. It makes perfect sense to me that auto enhanced scores weigh past auto installment loans more heavily, and that traditional credit scores weigh your history of revolving lines more heavily - seems to make sense. What factors are key in a home insurance credit score? I only ask because any place I see a FAKO listed as a "Home Insurance Score" (CreditKarma, for example) it is grossly lower than my credit score, auto score or insurance score - by a couple hundred points, and invariably listed as "Very Poor". I've only ever had the one mortgage, and it's 11 years old and 100% positive. I don't figure they (the credit karma type websites) factor in non-credit criteria such as income or time at current job - but even if they did my income is pretty great and I've been at my job for twenty years, so that seems to be out. DTI and utilization are grossly below normal for me as well. Never filed a single claim, either - I pretty much only know the name of my homeowners insurance company from the mail they send me periodically... Any input on what (if anything) these sites use to derive their Home Insurance scores? Is there a FICO equivalent out there? My gut feeling is that this is a particularly poorly calculated attempt at a FAKO, but maybe there's something out there that the home insurers take into account that I'm not aware of? ETA: And, yes, I am aware I misspelled "insureance" in the post title. It's a particularly cruel to not allow edits in the most visible location for an OCD individual.
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