Types of Investigative Credit Reports – The Insurance Report

31 Oct Types of Investigative Credit Reports – The Insurance Report

In a previous article, I discussed the little known, but potentially damaging, Investigative Credit Report. One of the most common of the investigative credit reports is for insurance purposes.

Insurance companies frequently use the services of organizations known as inspection bureaus to determine whether they will issue a policy of insurance, the rate charged for the insurance and whether or not to cancel insurance.

While investigative reports rarely result in the inability to obtain car or house insurance, inaccurate medical or health information may prevent someone from obtaining health or life insurance.

In an effort to get around the requirements of the Fair Credit Reporting Act FCRA, inspection bureaus will frequently limit its investigation to public records. However, once interviews of neighbors or other third parties are involved, the report will be controlled by the FCRA.

If you are denied insurance coverage, request the sources used by the insurance company for the denial of insurance.

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I've been a consumer bankruptcy lawyer for nearly 25 years. Since that time I have helped many people resolve their financial problems. I have been practicing law since 1986 and I am licensed to practice in all state and federal courts in the State of Louisiana. Because I am a sole practitioner, you know that your debt matters are being handled by me personally. In addition to my work with consumers, I am also frequently asked to speak at local seminars on bankruptcy law. I am member of the following organizations: • Louisiana Bar Association • National Association of Consumer Bankruptcy Attorneys • Bankruptcy Law Network My office is located at: 3920 General DeGaulle Drive, New Orleans, LA 70114 Telephone: (504) 368-4101

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