An underwriting tool used by insurers. Some individuals or companies with poor credit records may be more likely to have insurance claims. For example, a person with financial difficulties may not have the funds to repair or replace an aged roof, which increases the chance of a water damage loss. People with major financial problems may be more inclined to stage or exaggerate a loss in the effort to collect more money from the insurer. Research also indicates that a person who is less responsible about the use of credit is more prone to be less responsible while driving. For commercial lines accounts, credit reports such as Dun and Bradstreet are often ordered and can play an important role in the selection process and the pay plan offered.