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Does insurance application count as a HP?

Super Contributor

Does insurance application count as a HP?

I don't own a car due to where I live, but I rent cars and I was considering getting a non-owners driver's insurance policy as it will be cheaper than buying liability insurance through the rental companies each time I rent. When I called for the insurance quote I was told they will do a credit check. If I do this is it going to result in a HP on my credit report?

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Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 1 of 6
5 REPLIES
New Contributor

Re: Does insurance application count as a HP?

Insurance Companies SP


Message 2 of 6
Super Contributor

Re: Does insurance application count as a HP?

Thanks!

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Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 3 of 6
Established Member

Re: Does insurance application count as a HP?

Use an AMEX? Doesn't amex auto insure your car rental if you pay with it?

MyFICO (4/13) EQ score 733 CK TU score 6/13 754 FCR EX 4/13 736

CU overdraft protection CL $500 Freedom $3000 CSP $8000 BofA 123Cash Reward $3000 C1 QS1 $1250, C1 QS $5500 PP Cred $2950 Amex BCP $19500 DISC IT: $14,100 Home Depot $8000
Message 4 of 6
Senior Contributor

Re: Does insurance application count as a HP?

Doesn't cover liability.

Message 5 of 6
Highlighted
Valued Contributor

Re: Does insurance application count as a HP?

I know Progressive does a soft on Experian...Met Life Auto does TU, I believe. This is what I've encountered when I was looking around for a named non-owners policy.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 6