Under the Fair Credit Reporting Act, whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer is denied, or the charge for such credit or insurance is increased, either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report must:
notify the consumer of the adverse action,
identify the consumer reporting agency making the report, and
notify the consumer of the consumer's right to obtain a free copy of a consumer report on the consumer from the consumer reporting agency and to dispute with the reporting agency the accuracy or completeness of any information in the consumer report furnished by the agency.
Delaware Notice of Increase in Charge for Credit or Insurance Based on Information Received From Consumer Reporting Agency
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How to fill out Notice Of Increase In Charge For Credit Or Insurance Based On Information Received From Consumer Reporting Agency?
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FAQ
Credit Information Disclosure is a system you can use to verify your credit information including the content of your contract. with CIC member companies (such as credit companies) and your payment status. You can see whether and how your information is currently registered at credit bureaus.
The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").
Our use of credit information enables us not only to offer lower premiums to many customers who otherwise would pay more for their insurance; it also allows us to provide insurance coverage to more drivers and homeowners than we previously could.
Why do auto insurers check credit? Your credit history factors into your credit-based insurance score, which insurance companies use to help predict the likelihood of a future accident or claim. Note that certain states have laws that don't allow the use of credit information as part of car insurance pricing.
Why do insurance companies use credit information? Some insurance companies have shown that information in a credit report can predict which consumers are likely to file insurance claims. They believe that consumers who are more likely to file claims should pay more for their insurance.
A credit score disclosure alerts a consumer about their credit score and other sources of information as required by the Fair Credit Reporting Act (FCRA). The FCRA is a U.S. government legislation that aims to protect consumer information that is collected by consumer reporting agencies or credit bureaus.
