Bulletins State Auditor John Morrison has issued an advisory memorandum to Montana's property and casualty insurers requiring those using credit history for underwriting or rating purposes to notify consumers when that information adversely affects their ability to obtain or renew insurance or causes them to pay higher premiums.  The advisory reminds companies of current statutes that require notification to consumers when credit is used. Violations of the notification law are punishable by a maximum $25,000 fine per violation. Here are some tips for consumers. Do you want to change Montana law to reform credit scoring. The 2005 Montana Legislature has enacted the Medical Care Discount Card and Pharmacy Discount Card Act.