Fair Credit Reporting Guideline
Information for P&C Underwriting
UPFRO completes field inspections for underwriting insurance policies. Based on the information provided in these inspections, your underwriting department may elect to:	FCRA FAQ's
	FCRA Brochure
	Click on to view
Cancel the policy.   Send a "Fix it" letter to the insured.   Adjust the Replacement Cost - Coverage A (and consequently the premium).
If the policyholder or applicant wishes to contact UPFRO to find out what was in the report, or to contest the accuracy of the information in the report, they should be directed to do so only by writing to:
Fair Credit Department UPFRO ASSOCIATES, INC. 1610 Route 88 West Suite 203 Brick, NJ 08724
The following must be included:
Policyholders or applicant's Full Name.
The Name of the Insurance Company.
The Policy Number.
Specific Questions that should be addressed (commonly the reasons cited in the letter of cancellation or fix-it letter they have received).
Their Signature - allowing the release of this information.
UPFRO responds by letter.
REMEMBER   UPFRO merely gathers physical information for your underwriting department. It is not UPFRO's responsibility to make decisions or interpret your underwriting policies that may directly or indirectly affect a client's policy. Please review UPFRO's Fair Credit Reporting Brochure. This is mailed out with each response.  Thank you for your cooperation.
The information contained herein is not warranted nor guaranteed, legally or otherwise, nor does this information represent any changes that may have occurred to the Fair Credit Reporting Act. You may contact the Federal Trade Commission, Washington D.C. 20580 for additional information.
Updated on: November 19, 2007