OAR 836-080-0436: Absence of or Inability to Determine Credit History; Relation to Risk to Insurer

An insurer may use the category of absence of a credit history (“no hit”) or the category of inability to determine a consumer’s credit history (“no score”) under ORS 746.661(1)(c) according to the separate risk profiles for the two categories, and any relevant subcategories, demonstrated by actuarial data that the insurer has submitted to the Director of the Department of Consumer and Business Services.