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P&C: Fair Credit Act & Consumer Reports

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Fair Credit Act & Consumer Reports

What’s most important about consumer reports is knowing that consumer reports are for public information and investigative consumer reports are for interviewing your friends and family for information.

When an insurance company uses a consumer report, they cannot use any negative information that is 7 years old nor can they look at bankruptcy’s that are 10 years old.

If an insurer wants to do an investigative consumer report, they need to tell you 3 days in advance. After they do the report and you want to know what’s in the report, they have 5 days to show you. I say “3 to tell 5 to show”

All of these rules come from the Fair Credit reporting act which is all about protecting consumers from the circulation of inaccurate or outdated information. You want to memorize that!

If an insurance company or agent willfully violates the Fair Credit Reporting Act, they can be fined $2,500.

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