On page 2, line 37, after "(h)" insert ""Prior credit history" means the credit history obtained by the insurer and used at the issuance or prior renewal of the policy.
     (i)"

     On page 3, after line 3, insert the following:
     "(j) "Updated credit history" means the most recent version of any credit history obtained by an insurer since issuance or prior renewal of the policy."

     On page 3, beginning on line 14, after "section." strike all material through "prohibited." on line 17, and insert "At renewal, an insurer shall not use a policyholder's updated credit history to determine premium when the updated credit history is less favorable to the policyholder than the prior credit history. Nothing in this section shall be construed to prevent an insurer from using factors other than a policyholder's updated credit score in determining premium increases, or to prevent inclusion of a policyholder's prior credit history in premium decisions at renewal."

     On page 4, after line 19, insert the following:

     On page 1, line 2 of the title, after "decisions;" strike the remainder of the title and insert "amending RCW 48.18.545; and providing an effective date."