Re: credit access

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Posted by John on January 24, 1999 at 07:57:48:

In Reply to: credit access posted by Vince on January 11, 1999 at 11:02:39:

Your crediting rating should not have anything to do with your driving record. Unless the insurance company was offering to finance your premiums they DO NOT have a legitimate business purpose to check your credit WITH OUT your authorization.

Did they give you a quote on how much your insurance would be when you originally purchased the insurance? If they did, then take them to small claims court and sue them for the difference. Usually the cost for small claims is onlt $35 to file. Go down to your local credit bureau and dispute the inquiry they made. Tell them you never authorized them to check your credit. Unless they can provide something with your signature on it or a recording of you authorizing them to check your credit, the credit bureau will delete the inquiry.

Even if the insurance company could base their rates on your credit report they should have done this PRIOR to quoting you a rate and excepting you for insurance coverage. I would sue them for the difference in the premiums. Of course you will probably need to find another insurance company because after this they will probably drop you when your policy is up.

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: Your crediting rating should not have anything to do with your driving record. Unless the insurance company was offering to finance your premiums they DO NOT have a legitimate business purpose to check your credit WITH OUT your authorization. 

: Did they give you a quote on how much your insurance would be when you originally purchased the insurance? If they did, then take them to small claims court and sue them for the difference. Usually the cost for small claims is onlt $35 to file. Go down to your local credit bureau and dispute the inquiry they made. Tell them you never authorized them to check your credit. Unless they can provide something with your signature on it or a recording of you authorizing them to check your credit, the credit bureau will delete the inquiry.

: Even if the insurance company could base their rates on your credit report they should have done this PRIOR to quoting you a rate and excepting you for insurance coverage. I would sue them for the difference in the premiums. Of course you will probably need to find another insurance company because after this they will probably drop you when your policy is up.


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