When you get an auto insurance policy what should matter when it comes to your rate. Your age and gender weigh in. And where you live also matters, as does what kind of car you drive. All that makes sense. But what about making late payments on your credit cards or bills? Auto and homeowner’s companies are sure that your credit history is directly related to your risk as a customer. There are insurers who will not write a policy for you if you have a bad score. It’s ridiculous, and many states are standing up to the insurance companies and their ridiculous policies. Michigan is the latest state to ban the use of credit scores in setting auto and homeowner’s insurance. What if there is an error on your credit report? Your insurance can be cancelled or the premium could go through the roof as a result, and it’s not even your fault. The system has no wiggle room, no appeal process and no common sense. It should be outlawed in all 50 states.