The information provided on the Interview Tab in the Portal is utilized to generate reports from our third-party data vendors. These reports assist in determining eligibility and pricing during the new business quoting process and at renewal under specific circumstances.
Openly is obliged to notify applicants if an adverse action is taken based on any information in the consumer report we receive. This notification is called an FCRA (Fair Credit Reporting Act) letter.
Learn more about the FCRA here: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act.
These notices are sent to the Human Named Insured on the Interview tab for quotes, including those that do not qualify, and for renewals if reports are run.
If the policy is active, the displayed premium reflects the data returned by the vendor reports.
Losses shown in the report can go back seven calendar years and may appear for any property claim filed by the Applicant, irrespective of the usage type.
Openly’s Customer Experience Team cannot access the full reports received from our third-party data vendors. If an applicant wishes to obtain more information about the details within the consumer report or to file a dispute regarding the information in a report, they should contact the following vendors directly:
For Loss History Reports
Address:
ISO Consumer Inquiry Center, Attn: Verisk Analytics
1000 Bishops Gate Blvd, Suite 300
P.O. Box 5404
Mt. Laurel, NJ 08054-5404
Telephone: 1-800-709-8842
Website: https://fcra.verisk.com
For Consumer Credit Information
Address:
TransUnion, Consumer Disclosure
P.O. Box 1000
Chester, PA 19022
Telephone: 1-800-645-1938
Website: www.transunion.com
For further assistance, contact us via our webform or Live Chat.