Have you ever applied for a credit card? A home mortgage? A job? If so, a consumer report may have been requested about you.  Consumer reports are assembled or evaluated for monetary fees by Consumer Reporting Agencies (CRA).  Consumer Reporting Agencies are entities that regularly engage in assembling information about consumers. The type of information a CRA gathers may include credit information, bill-paying history, driving record and claims history. This information is compiled for the purpose of furnishing consumer reports to entities such as banks, credit card companies, and insurance companies. The FCRA regulates the use of these consumer reports to ensure their accuracy and protect your privacy.

What can a consumer report tell MetLife Auto & Home?
A consumer report reveals valuable information about a consumer’s credit worthiness, credit standing, credit capacity, certain personal characteristics, and even mode of living. MetLife Auto & Home uses consumer reports, as one of the many factors, in determining underwriting eligibility and premium calculation.

What types of reports does MetLife Auto & Home use?
The type of consumer reports we use includes, but is not limited to, the following:

• motor vehicle reports
• automobile loss/claim reports
• property loss/claim reports
• property inspections
• credit reports

What happens if there is something negative in my consumer report?
If MetLife Auto & Home denies, cancels, nonrenews, increases the charge for, or reduces your insurance coverage based, in whole or in part, on information contained in a consumer report, this is an "adverse action" under the FCRA. Upon taking such adverse action, MetLife Auto & Home is required by FCRA to inform you, as an applicant or customer, about the adverse action. The FCRA requires that we provide you with:

• an explanation of the adverse action
• the name and contact information of the consumer reporting agency that prepared the report that resulted in the adverse action
• a statement that the consumer reporting agency did not make the adverse decision and cannot explain why the decision was made
• information about your right to obtain a free copy of your consumer report directly from the consumer reporting agency within 60 days of the adverse action
• notification that you have the right to directly dispute with the consumer reporting agency the accuracy or completeness of the information provided in the consumer report

MetLife Auto & Home is proud to comply with the FCRA.  If you want to learn more about the FCRA we recommend the website of the Federal Trade Commission.