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Credit-Based Insurance Score

A trended-credit predictive analytics model

Verisk’s Inflection™ Insurance Score is powered by Equifax®. Inflection is an industry-leading credit-based scoring solution for personal auto and property insurers.1 Inflection can provide 2.8 times lift between the lowest and highest risk bands in predicting losses over control models that don’t include credit-based attributes.2

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Inflection Growth And Profitability

Give credit where credit is due

Inflection can help shift your growth and profitability trends for the better while providing a balanced framework in which to evaluate consumers. Plus, learn how to optimize underwriting expenses with the innovative InitialQuote* Score.

Get the best of all worlds—from two global leaders in data and analytics


Innovative solutions to better align price to risk

Unlocking one-rate auto insurance acquisition

Unlocking One Rate Auto Insurance Acquisition

Shifting demographics, digital expectations, and competitive forces are transforming personal auto insurance. Our Innovation Paper explores key strategies to help compete in the InsurTech revolution.

Download the innovation paper

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    Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

  • Main Toll-Free: 1-800-888-4476

  • Global Toll-Free: International Access code, then 800 48977489
    When calling from the UK, please dial 00 800 4897 7489
  1. ISO has not yet filed an optional rating rule for using Inflection with personal property policies. A company wanting to use the Inflection model for personal property would need to make an independent filing.
  2. Verisk analysis using Equifax and ISO data, 2020

 *Trademarked and patented by Equifax

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