If you ask a bunch of kids who their family members are, they’ll certainly name their mommy and daddy and their brothers and sisters. If you ask grown-ups, they’ll list their children, grandchildren (if any), parents and possibly their brothers and sisters. They may even expand the list to include nieces and nephews. However, in the wonderful world of insurance, it’s not that simple. We may call them family members, but our Homeowners’ and Personal Auto insurers may disagree. Our definition of a family member and the definitions found in our insurance policies are definitely not the same. credit-based insurance score is useful as a rating factor, but in those states where it is used, it is only one of many that are used. Because your personal credit history affects your credit-based insurance scores, it is important to regularly review it and make sure it’s accurate. The Fair Credit Reporting Act (FCRA) allows you to order one report for free from each of the major credit reporting agencies each year. You may also purchase a 3-in-1 report to review your scores from all three major credit bureaus—Equifax, Experian and TransUnion.