ATLANTA – Equifax Inc. and ChoicePoint have joined forces to provide consumers with the scores most often used by auto and homeowner insurance underwriters. The consumer products will enable consumers to view both their homeowner insurance score and auto insurance score, along with an Equifax credit report and an explanation of the score. Many insurance companies use credit history and insurance scores in the underwriting process as a predictor of future claims and to reduce risk. Insurance scores differ from credit scores. While much of the same credit history data is used in both cases, the credit score is based upon a scientific sample of credit applicant history; the insurance score is based upon a scientific sample of insurance claims history.