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What is an EMR? The best way to understand EMR (Experience Modification Rate) is to think of it as a Credit Score. With a Credit Score, there are Credit Bureaus that analyze your past and present borrowing history as a way to ascertain your future risk. An EMR, also referred to as (EMOD or XMOD), works in a similar manner. In its simplest definition, an EMR compares your Workers’ Compensation claims history to other companies similar in size within the same industry. A company’s EMR has a direct impact on its final Workers’ Compensation premium costs as well.