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Frequently Asked Questions
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FAQ Search Results
Are companies allowed to use credit ratings to determine eligibility and rating for insurance coverage?
Yes, they can and many do. Under Federal law, the Fair Credit Reporting Act allows insurers to use credit information for underwriting purposes. Credit reports and/or scores are a commonly used rating tool; however, statutes found in the ?Use of Credit Information in Personal Insurance Act?, 36 O.S. 950 et seq, govern how this information may be used in personal lines policies.