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Tex. Insurance Code § 559.101

NEGATIVE FACTORS

Texas · Texas Insurance Code · Status: effective

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Tex. Insurance Code § 559.101, NEGATIVE FACTORS, Texas, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/678580
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An insurer may not use any of the following as a negative factor in any credit scoring methodology or in reviewing credit information to underwrite or rate a policy of personal insurance: (1) a credit inquiry that is not initiated by the consumer; (2) an inquiry relating to insurance coverage, if so identified on a consumer's credit report; or (3) a collection account with a medical industry code, if so identified on the consumer's credit report.