Credit Information Resource Page
Insurance credit scoring is the practice used by many automobile and homeowners insurance companies to utilize a consumer's credit history in deciding whether to write a policy and/or how much to charge for the policy. Currently, Texas law allows insurance credit scoring under certain circumstances and consumer protections.
News Releases
- 11-10-2003 News Release - TDI Adopts Rule on Credit Scoring
- 10-15-2003 News Release - TDI Examines Credit Scoring
- 06-10-2003 News Release - Governor Perry on Insurance Reform
2003 Insurance Reform FAQs
- Senate Bill 14 Frequently Asked Questions (FAQ)
[ SB14 FAQ PDF Version ] - Insurance Reform FAQ
Industry Bulletins
- 12-03-2003 - Commissioner's Bulletin NO. B-0048-03 - Regarding Use of Credit Scores with Auto and Residential Insurance
- 08-23-2002 - Commissioner's Bulletin No. B-0049-02 - A Reminder to Insurers of Their Obligations Under the Federal Fair Credit Reporting Act
Rules, Regulations
- SB14 - Authority to Limit Use of Credit Information
- Rule on Use of Credit Information or Credit Scores
- Use of Credit Information Disclosure - (CD-1) / [ Disclosure Notice Spanish Translation ]
Web Resources
- Federal Trade Commission - Credit Scoring [ PDF Version ]
- Federal Trade Commission - Fair Credit Reporting
- Federal Citizen Information Center - Fair Credit Reporting Q&A [ PDF Version ]
- Federal Citizen Information Center - How to Dispute Credit Report Errors [ PDF Version ]
- Federal Citizen Information Center - Building a Better Credit Record [ PDF Version ]
- Federal Citizen Information Center - Credit and Divorce
For more information contact:
Last updated: 04/20/2010
