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Many auto insurance and home insurance companies use insurance credit scoring to decide if they'll write a policy and how much to charge. Texas law allows insurance credit scoring under certain circumstances.

Senate Bill 14 (78th Texas Legislature, Regular Session, 2003) made provisions for the use of credit information by the insurance industry but mandated that the Texas Insurance Commissioner regulate its use. In November 2003, the Texas Department of Insurance adopted initial rules regarding the use of credit information by insurers in Texas. These rules, along with the statutory provisions in SB 14, are among the strongest in the country regulating the use of credit information.

For more information about how credit insurance scoring may be used and what insurance companies use credit insurance scoring, follow this link to the Texas Department of Insurance web page,
Texas Dept. of Insurance - Credit Scoring & Insurance .

Hemphill Insurance Agency writes auto insurance and home insurance in Fort Worth  and North Texas. We have policies and rates available through insurance comapnies which use credit scoring and policies and rates through insurance companies which do not use credit scoring.  We search through dozens of insurance programs to find you the best rate for the coverage you need.  For more information or to get a quote, call us at (817) 923-2001.

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Royal Lane Enterprises, Inc. dba Hemphill Insurance Agency
Texas Department of Insurance Agent License #7191