자동차보험회사에서 개인 크레딧도 조회 하나요?
몇일전 가이코에서 qute낸적 있는데 메일이 왔습니다.

FAIR CREDIT REPORTING ACT NOTICE

As a result of your recent rate quote or renewal, we obtained information about you from the consumer reporting agency listed below. That information was used in combination with other factors to determine the rate that you were provided.

Trans Union National Disclosure Center
2 Baldwin Place, PO BOX 1000
Chester, PA 19022
or call 1(800)645-1938

Since we may have been able to offer you a lower rate had the report been more favorable, we treat our decision as an adverse action under the Fair Credit Reporting Act. You have the right to obtain a free copy of a consumer report from the reporting agency listed above, provided your request is made within 60 days of receiving this notice. You also have the right to contact the reporting agency listed above to dispute the accuracy or completeness of any information in the consumer report provided. The reporting agency did not determine your rate or play any part in our decision and is unable to provide you with specific reasons for our decision or how the rate was determined.

내용은 위와 같은데 어떻게 하라는건지요
조언 부탁드립니다.

가이코에서 님의보험료 계산하는대 크레딧 기록을 참조했고, 님의 크레딧이 좋지않아서 더 좋은 (낮은) 보험료를 님에게 책정해줄수 없었다는 말입니다. (님의 크레딧이 나빠서 보험료가 비싸게되서 유감이라는 말)
님이 원한다면 님의 크레딧기록을 무료로 받아 보실 수 있고, 잘못된 크레딧 기록은 dispute해서 수정해달라고 요구할 권리가 있다는거죠.

보통은 그냥 두는거죠. 크레딧이 더 높은데 너무 낮게 보고했다 싶으시면 크레딧 리포트 한 회사에 연락해서 그 내용을 받고, 수정을 요구할 수 있다는거구요.