What Is an FCRA (Fair Credit Reporting Act) Letter?

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 


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 


TransUnion, Consumer Disclosure

P.O. Box 1000

Chester, PA 19022


Telephone: 1-800-645-1938

Website: www.transunion.com 


Contact us via our webform or Live Chat if you need further assistance.

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