The use of credit reports has become a wide spread practice in the insurance industry. The use of Credit Reports regulated by the Fair Credit Reporting Act. Is perfectly legal to use credit reports for insurance underwriting but if the use of the information results in a higher price them the insurance company is required to notify the consumer of the use of his credit repost and give him a toll free number where he can call and get a free copy of the report. Everyone knows that credit reports often contain inaccurate information. When insurance companies fail to properly notice consumers of the use of their credit report it results in the consumer having to pay higher prices for insurance. Informed consumers can correct their credit reports and therefore have lower insurance premiums.
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