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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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My insurance company increased my car insurance rates because of my credit report. Is that legal?

Under federal law, insurance companies may obtain the information in your credit history to do things such as:

  • Decide how much to charge you for insurance
  • Raise your premiums
  • Deny coverage for new customers
  • Deny renewals of existing customers
  • Decide on other terms or coverage 

Some states, however, place restrictions on using credit reports for this purpose. Contact your state attorney general’s Office for more information.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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