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Valued Contributor
Posts: 2,939
Registered: ‎06-05-2013
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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?


Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 730 6/27/14, Last App 1/3/15
Goal Score: 800 In garden until 4/2015
New Contributor
Posts: 164
Registered: ‎04-16-2013
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Re: Does insurance application count as a HP?

Insurance Companies SP


Valued Contributor
Posts: 2,939
Registered: ‎06-05-2013
0

Re: Does insurance application count as a HP?

Thanks!


Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 730 6/27/14, Last App 1/3/15
Goal Score: 800 In garden until 4/2015
Established Member
Posts: 67
Registered: ‎04-19-2013
0

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 $0/$500 Freedom $0/$1500 CSP $0/5000 BofA 123Cash Reward $700/$3000 C1 plat $0/1250 PP BML $400/$950 Amex BCE $0/$3000 DISC IT: $231/5500
Valued Contributor
Posts: 3,874
Registered: ‎06-05-2013
0

Re: Does insurance application count as a HP?

Doesn't cover liability.

Valued Contributor
Posts: 1,896
Registered: ‎03-30-2012
0

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 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550

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