If you have made it to this page, you have probably been insurance credit scored. You are probably feeling pretty frustrated and do not know where to start. 

The single most important step you can take is to file a complaint with your Department of Insurance. You will find a link to each state's department of insurance online complaint page here.

Many of the new laws enacted within the last year require the insurance departments to  track complaints regarding insurance credit scoring. This is the only way to let the Insurance Commissioners and their staff to know what is really going on in your state and how consumers are being affected. You may feel this is a waste of time and your department of insurance is able to do nothing. While this will most likely not grant immediate relief, again it is the only way for states to track the information. 

If you received an adverse action letter, the name of the vendor who supplied the information for the score as well as the address and phone number of the vendor will be listed on the letter. This allows you to obtain a copy of the credit report from which the score was calculated. Be sure to order your free report and correct any errors you find (the credit bureau/vendor will supply a dispute form with the report) and call your agency for re-rating once the errors are corrected. Correcting errors can be a lengthy and frustrating process  but there are numerous resources for consumers on the internet. Most state's credit scoring laws  require your insurance company to re-rate you and provide a refund if necessary.

If you did not receive an adverse action letter and your agent told you credit was a factor in your cancellation, move to a subsidiary or an increase in your rates, they must also supply the information above so you may obtain a copy of your credit report. If they fail to do this, they have violated the notification requirements of the Fair Credit Reporting Act and you may want to seek the advise of an attorney. *Note: this website does not refer attorneys.

Share your Story

The public may not be aware of this practice and if they are, may be reluctant to admit their poor insurance credit scores. The insurance companies are banking on this reluctance. Most people are not aware that there significant differences between a "credit score" and an "insurance credit score". 

The media also contacts InsuranceScored.com from time to time for consumers willing to share their stories in your area. If you are interested in speaking with the media to assist in getting the word out, please send an email here with "Media" in the subject line and your name, address and phone number. Your information will be shared with no one else.

Check out who is "on your side"

There are several consumer agencies on your side, and surprisingly enough, several insurance agent organizations as well. Check them out here.

Contact your State Representatives. 

Below is a list of states. The State Link brings you to the State Legislature page so you can find and contact your State Representatives and let them know how you feel about insurance credit scoring.