10-02-2026, 11:52 PM
德州保險信用評分：資料錯誤與重大生活事件的書面覆核
德州容許保險公司把信用資料連同其他因素用於承保及定價，但不能只靠信用資料決定拒保、取消或不續保。這與銀行貸款評分、CLUE 過往理賠紀錄或貸款附加人壽保險是不同事項。
收到不利決定時，先索取公司對信用資料使用方式的披露，核對涉及哪份資料，並按通知的方法爭議不準確或不准使用的內容。不要向論壇貼出帳戶號碼或信用報告；文件交保險公司及正式爭議渠道，保留日期和副本。
若信用受離婚、暫時失業、身分盜用或配偶、孩子、父母去世等事件影響，可書面要求例外處理。公司可能要求證明，之後應只考慮未受事件影響的資料，或採用中性信用評分；重複事件不一定須再給例外。對處理有疑問，可循 TDI 投訴入口或致電 800-252-3439。這不等於每次申請都必然減費或獲批。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.tdi.texas.gov/credit/index.html
English
Texas insurance credit scores: written reviews of errors and major life events
Texas permits insurers to consider credit alongside other underwriting and pricing factors. Credit alone cannot justify refusing, cancelling or nonrenewing a policy. This is different from a lender's score, a CLUE claims-history report or optional credit-life insurance attached to a loan.
After an unfavorable decision, obtain the insurer's disclosure, identify the information involved and follow its instructions for disputing inaccurate or prohibited data. Do not post account numbers or credit reports in forum comments. Submit documents through the insurer and proper dispute channels, retaining dates and copies.
Request an exception in writing if credit was harmed by events such as divorce, temporary job loss, identity theft or the death of a spouse, child or parent. Documentation may be required. The insurer then considers unaffected information or assigns a neutral score; repeated events need not receive repeated exceptions. Use TDI's complaint route or call 800-252-3439 if the handling seems inappropriate. An exception request does not guarantee a lower premium or approved policy.
Original publication date not established. Checked October 2, 2026. Official source: https://www.tdi.texas.gov/credit/index.html
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
德州容許保險公司把信用資料連同其他因素用於承保及定價，但不能只靠信用資料決定拒保、取消或不續保。這與銀行貸款評分、CLUE 過往理賠紀錄或貸款附加人壽保險是不同事項。
收到不利決定時，先索取公司對信用資料使用方式的披露，核對涉及哪份資料，並按通知的方法爭議不準確或不准使用的內容。不要向論壇貼出帳戶號碼或信用報告；文件交保險公司及正式爭議渠道，保留日期和副本。
若信用受離婚、暫時失業、身分盜用或配偶、孩子、父母去世等事件影響，可書面要求例外處理。公司可能要求證明，之後應只考慮未受事件影響的資料，或採用中性信用評分；重複事件不一定須再給例外。對處理有疑問，可循 TDI 投訴入口或致電 800-252-3439。這不等於每次申請都必然減費或獲批。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.tdi.texas.gov/credit/index.html
English
Texas insurance credit scores: written reviews of errors and major life events
Texas permits insurers to consider credit alongside other underwriting and pricing factors. Credit alone cannot justify refusing, cancelling or nonrenewing a policy. This is different from a lender's score, a CLUE claims-history report or optional credit-life insurance attached to a loan.
After an unfavorable decision, obtain the insurer's disclosure, identify the information involved and follow its instructions for disputing inaccurate or prohibited data. Do not post account numbers or credit reports in forum comments. Submit documents through the insurer and proper dispute channels, retaining dates and copies.
Request an exception in writing if credit was harmed by events such as divorce, temporary job loss, identity theft or the death of a spouse, child or parent. Documentation may be required. The insurer then considers unaffected information or assigns a neutral score; repeated events need not receive repeated exceptions. Use TDI's complaint route or call 800-252-3439 if the handling seems inappropriate. An exception request does not guarantee a lower premium or approved policy.
Original publication date not established. Checked October 2, 2026. Official source: https://www.tdi.texas.gov/credit/index.html
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.