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Regular Contributor
Posts: 232
Registered: ‎11-30-2011
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Insurance question.....

I am going to buy a house in the next few months and was wondering......when I shop for home insurance does it ding my credit (is it a hard pull) and is it the same for auto insurance or are they all just a soft pull?


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Current Score: EQ 724, TU 770, EX 789
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Moderator Emeritus
Posts: 12,002
Registered: ‎12-30-2011
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Re: Insurance question.....


whodatnation2 wrote:

I am going to buy a house in the next few months and was wondering......when I shop for home insurance does it ding my credit (is it a hard pull) and is it the same for auto insurance or are they all just a soft pull?


Varies state by state; CA they aren't allowed to pull my credit period, I'm not certain about Texas in your case (from your other post) but it's worth looking into.  It almost assuredly wouldn't be a soft-pull unless you already had a relationship with the company in question.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
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Member
Posts: 23
Registered: ‎01-21-2013
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Re: Insurance question.....

I am an insurance agent in NC- the companies we work with only do soft pulls.  I know  not only because that's what they tell us but because I have done them to quote my own insurance. Smiley Happy  But just to be safe check with the insurance agent pulling your credit. They should know. Hope this helps!

Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: Insurance question.....

 

Homeowner's and Auto Insurance should always be soft pulls ~ but I'd go ahead and ask just to be certain.

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