Angel Robinson, consumer advocate for the Iowa Insurance Division, is currently looking into the practice of using credit ratings as a tool to underwrite insurance rates. Jim Gosselink of Tulip City Agency in Pella says the practice has been in use for about the past 10 years and around 80 percent of insurance companies currently use credit scores to figure rates. There is a dispute as to whether or not using the credit rating to figure insurance rates, and the state is trying to decide if it is a fair practice, or if they should ban it outright or make changes to how it is used.