Who can have credit history information ordered for insurance scoring?

The correct answer reflects the guidelines surrounding who can have access to credit history information for the purpose of insurance scoring. In this context, only the named insured, which typically includes the primary applicant and their spouse, is permitted to have their credit history evaluated when assessing insurance scores. This is important because insurers often use credit history as part of their risk assessment process, and it is necessary to ensure that the information used pertains directly to those who will be financially responsible under the policy.

This approach protects the privacy of other adults living in the household who may not be directly involved in the insurance application. While it may seem reasonable to consider all household members for such evaluations, the specific focus on the named insured and their spouse aligns with the principles of targeted risk assessment in insurance practices. Therefore, those who are not considered named insured individuals do not have their credit histories automatically eligible for assessment in this context.