Indiana's recently-appointed Republican insurance commissioner has pleased insurers by revising the rules for carriers' use of customer credit records for rating purposes.

Commissioner Jim Atterholt has issued Bulletin 130 that says that insurers must consider factors other than credit in taking any underwriting action. But there does not necessarily have to be any change in another factor for an underwriting action to be permitted.

Indiana originally passed credit scoring legislation in 2003 based on the model drafted by the National Conference of Insurance Legislators which has the support of the insurance industry.

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