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Regular Contributor
whodatnation2
Posts: 226
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
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Revelate
Posts: 9,016
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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
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groovy27
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. :smileyhappy:  But just to be safe check with the insurance agent pulling your credit. They should know. Hope this helps!

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pizzadude
Posts: 9,669
Registered: ‎01-28-2010
0

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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