I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only XXXX 30 day late in the last XXXX years. 
2 ) I 've had credit for XXXX years and the " youngest '' active or cancelled account I have is XXXX and the oldest is at least XXXX years old. 
3 ) I only have XXXX revolving accounts, XXXX are store cards that are rarely used, XXXX card for work and XXXX that were personal. All accounts have credit limits over {$5000.00} that never go above XXXX and are paid off monthly4 ) It 's been XXXX years since my only late payment ( XXXX days on a XXXX XXXX Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against me. 
The biggest problem with this issue is that LexisNexis interprets data for the insurance company that then provides me with a rating and insurance premium based only on the " issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my " issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a XXXX middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over XXXX or more years ) and I 've been continuously insured for over XXXX years. The score with my ex-husband was a XXXX even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.