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Posts: 239
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?

Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740

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Posts: 17,534
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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)

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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!

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Posts: 9,668
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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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