Does getting quotes from car insurance companies lower your credit score?
December 5, 2008 - I've heard that everytime you apply for a credit card, get insurance quotes, etc. your credit score gets lowered.
The credit bureaus differentiate between a "voluntary" and "involuntary" credit check, and it does temporarily lower your FICO score if you initiated the request. (Incidentally, a person checking their credit history on their own is considered "involuntary" and does not impact your score.) This isn't a reason NOT to apply for credit, but it does mean you should avoid making any small credit applications just prior to a big purchase, like a home.
- No it does not. While insurance companies do look at a persons credit now to help set rates, this is a soft pull and has no affect on your credit score. I've had good info about it here: http://autoinsurance.hotusa.org Hope that helps.
- Perhaps You could google it first ,nonetheles, if you perfer some direct resource ,here http://www.AutoInsuranceIdeas.info/auto-insurance-free.htm might be your choice.
- That is correct. I would use an insurance company that doesn't run a credit check. Hope this helps
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