Section Ins 3305.01 - Prohibited Factors(a) No insurer, as part of their underwriting or rating of homeowners or private passenger automobile insurance policies, shall use any of the following in any insurance scoring methodology, or in reviewing the consumer report of any consumer: (1) Credit inquiries not initiated by the consumer, including inquiries associated with unsolicited promotional offers for credit cards or other financial instruments and services;(2) Inquiries requested by the consumer for his or her own credit information;(3) Credit inquiries related to insurance coverage, if so identified on the records of the consumer reporting agency;(4) The dollar amount of a consumer's available credit, unless this amount is being considered in the calculation of the consumer's ratio of debt to total available line of credit;(5) Collection accounts with medical industry code, if so identified on the records of the consumer reporting agency;(6) Accounts or transactions that have been identified as associated with an unresolved or confirmed case of identity theft;(7) Multiple lender inquiries, if coded by the consumer reporting agency on the consumer's credit report as being from the home mortgage industry and made within 30 days of one another, unless only one inquiry is considered; and(8) Multiple lender inquiries, if coded by the consumer reporting agency on the consumer's credit report as being from the automobile lending industry and made within 30 days of one another, unless only one inquiry is considered.N.H. Admin. Code § Ins 3305.01
#7658, eff 9-1-02; ss by #8052, eff 7-1-04; ss by #9634, eff 7-1-10
Amended by Volume XXXVIII Number 32, Filed August 9, 2018, Proposed by #12599, Effective 8/3/2018, Expires 8/3/2028.