![]() After the usual automated attendant runaround, I looked up the corporate HQ number in Hoover's and used that to get through to someone who actually could help me. I called Experian to find out what was going on. "It would seem they should be suppressed, since it appears they are generated directly to the notice from the data received from the the reporting agency and they have no premium effect." "I am uncertain why these codes are printed on the notice you received," he said. So then, why had I received the letter? Mark assured me that the "insufficient information" noted in the letter had no affect on my premium - which had gone up by over $1,000. ![]() ![]() Refer to New Hampshire Revised Statutes Section 359-B:24(XVIII)(j). For that reason, Experian provided the report to the insurance carriers in question. The Consumer Credit Reporting Security Freeze law in NH does not apply to the use of a consumer report by any person or entity for use in setting or adjusting an insurance rate or claim or underwriting for insurance purposes. Mark made a few calls and sent me back this explanation from ChoicePoint's legal department: Why would Experian allow access to a locked account without my permission? And if the insurer had in fact obtained the credit report, why did they send me the letter in the first place? Before I could do so, Mark was on the phone again, calling to tell me that the insurer had in fact obtained a copy of my credit report from Experian - a turn of events I found alarming.
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