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Download the complete Filings Made Easy Guide. Model forms for firm offers of credit or insurance (Appendix D to Part 1022).Scoring and modeling, whether internally or externally developed, are used extensively in credit card lending. Get credit worthiness in the form of a simple credit score using credit scoring model. Insurers making independent credit scoring model filings must file the entire model, including definitions. Form of structured data that does not conform with the structure of data models associated with relational databases. The scoring models should be filed with the Division of Insurance and be public information. Credit reports list a history of your finances. Instead, they are to predict the likelihood that an individual will file an insurance claim. Experian is committed to helping you protect, understand, and improve your credit.