Did you know that an issue on the ballot in the state of Oregon could affect you? Citizens want to ban the ability for insurers to base your insurance rates on your credit score and Clark is 100 percent behind the move. Insurance companies are fighting this citizen initiative tooth and nail. That’s because they think this will cause a domino effect in other states. Right now, more than 90 percent of insurers use your credit score to set your rates. If credit report were at all accurate, Clark could see it making sense. But reports almost always contain errors, so people are charged higher rates when they shouldn’t be or they are denied coverage all together. Rates should be set based on driving record, age and gender. And, Clark hopes the insurance industry fails time and time again with this.