Insurance companies inquiries

[smo65d11]

some people really get pushed out of shape about the rating being partially based on "financial stability", which I TOTALLY understand, but virtually ALL companies take a peek at your FS scores so if you are shopping for insurance, you most likely WILL encounter this.  If you have awesome FS, you will normally pay less than the average joe with a lot of debt or any bads on their CR.

[haulingthescoreup]

USAA softs on Equifax, at least for this long-established customer.

Maybe if someone were brand-new it would be different.

It's up to the insurance companies whether they code it as soft or hard. I'd holler long and hard if I got a hard inq off an insurance app.