Also called your credit-based insurance score, it’s used by insurers (along with your age, gender, and other factors) to set your premium. The score takes into account your payment history, outstanding debts, the length of your credit history, if you’ve recently applied for new credit, and the different types of credit you carry. It’s not the same as your regular credit score, but may be prepared by the same companies who create your credit score like FICO.