Common Credit Questions

Credit and Insurance: The Basics

• How does credit affect your insurance rates?
• Why does credit matter for insurance?
• Can your credit record help you get lower insurance rates?
• Is your credit score raising your insurance rates?

Credit Reports

• How does the insurance company know about your credit history?
• Who can see your credit report?
• How do you see your credit report?
• Does everybody have a credit report?
• What does an insurance company look for in a credit report?
• Is an insurance score the same as a credit score?
• What can you do if there’s a mistake on your credit report?

Dealing with Bad Credit or No Credit

• How can you improve a bad credit record?
• How do “credit repair” organizations work?
• How long do credit problems stay on your record?
• What if you don’t have a credit history?
• How can you find the cheapest insurance if you have bad credit?

More Questions

• Do you have to pay more for insurance if you don’t make a lot of money?
• If you have a good credit history but your spouse doesn’t, do you have to pay more?
• How does getting a divorce affect your credit?
• Will credit problems count against you if they happened because of a medical problem?
• Does co-signing a loan affect how companies look at your credit?
• Where can you get more information about credit and insurance?