Credit scoring and insurance are here to stay. As much as we dislike the combination, insurance company statistics bear out the fact that people with low credit scores have more claims. Is it because they turn in every little claim, are they put into situations where they have more claims, are they unlucky, or some other reason. The fact is Credit Scoring will not go away and it is best to be proactive and do everything possible to improve your credit score. Things like limiting the number of credit cards, don't over extend yourself on credit cards or other credit sources, and most important pay ALL bills on time.
An individual needs to protect their Credit Score more than ever. It can only improve your financial future.