I rebuilt up to 800 and just found out my landlord when I moved in lied over email and to my face about background check being hard pull. Experian report shows the check as hard pull says will stay 25 months. Had to renegotiate car insurance and no tickets or accidents and now get to pay $50 more a month and that's only one way it has hit me so far. Don't believe anything anyone says about your credit always assume hp when you are planning so liars don't blindside you. Good thing I wasn't trying to close a mortgage or somethign important. I wish I could afford to take them to small claims court and win and break even or have it be worth the time and money. But the checking the reports exact content and timing when I apply for things is on me whether he lied over and over or not. Oh well I tell people the truth or don't speak and my credit will bounce back up to 800 some day, and he could possibly waste the rest of his life lying to folks and not being a good person.
PS I have only had credit since 2013 and got creamed by medical debt immediately and had to rebuild. Now healthy, good credit, need income but moving on up... Debt free at least 
Welcome to the forums. While a HP may cause a very slight score decrease in some profiles, generally speaking they really don't matter that much. There are some lenders that may be concerned if there are a lot of recent ones. It's not unusual for lease agreements to result in a HP, but it's important to note that the general public may not know what you are referring to if you use that language. I would always count on a credit report being pulled resulting in a HP unless there is specific language stating "this will not affect your credit" or similar. While credit inquiries do remain on your credit reports for 24 months (and are removed in the 25th month, so that is not incorrect), they are not factored into FICO scores at all after 12 months.
Insurance scores are calculated with different criteria than the FICO 08 and 09 scores we're more used to, but I find it highly unlikely that a single inquiry could result in an auto insurance increase of $600 annually. Insurance rates do increase over time, statistics for your ZIP code may have changed, etc. If it is indeed due to a decrease in your insurance industry credit score, I would look for other factors that may have caused the score to drop. The mere presence of certain types of revolving and loan products can reduce those scores (store cards being an example). Fortunately, residents of Massachusetts, Hawaii, and California, don't have to deal with insurance scores.
Edit: Speaking of ZIP codes, did you move from one neighborhood to another? About a decade ago, I moved 2 miles away and Liberty Mutual quoted me a rate that was nearly triple what I was paying. Needless to say I switched auto insurance companies when I moved.
@Jnbmom wrote:I always expect a HP and happy when it's a SP in the credit world.
I however highly doubt one HP had anything to do with your insurance rates.
+1
I agree with this. If you have anywhere near an 800, 1 lousy HP wouldn't affect your insuance scores. Becides I think they use a different scoring model. I'm sure someone else will give you a better explanation.
@Anonymous 15 minutes with GEICO saved me more like 215% than 15%.
What state is that in? My state doesn't allow car insurers to pull credit scores.
Total Loan Balance: $43k / $65k
Total SL: $78k
@Anonymous wrote:I rebuilt up to 800 and just found out my landlord when I moved in lied over email and to my face about background check being hard pull. Experian report shows the check as hard pull says will stay 25 months. Had to renegotiate car insurance and no tickets or accidents and now get to pay $50 more a month and that's only one way it has hit me so far. Don't believe anything anyone says about your credit always assume hp when you are planning so liars don't blindside you. Good thing I wasn't trying to close a mortgage or somethign important. I wish I could afford to take them to small claims court and win and break even or have it be worth the time and money. But the checking the reports exact content and timing when I apply for things is on me whether he lied over and over or not. Oh well I tell people the truth or don't speak and my credit will bounce back up to 800 some day, and he could possibly waste the rest of his life lying to folks and not being a good person.
PS I have only had credit since 2013 and got creamed by medical debt immediately and had to rebuild. Now healthy, good credit, need income but moving on up... Debt free at least
Welcome to MyFICO
Sometimes people misspeak but that doesn't mean they're necessarily a liar. Whenever I lived in apartments, I always paid a fee for my CR to be pulled and it has always been a HP. Is it possible that you misunderstood and she told you that the background check wouldn't be a HP? Because that would be true. Yes, the HP for checking your credit for the apartment will stay on your CR for 24 months; but after 12 months, it's not calculated into your scores.
Also, one HP may reduce your 800 score to 797-798 maybe, which is way above the 760 score most lenders care about anyway in order to get the best interest rates. So, I'm kind of confused how this negligible score drop negatively affected your car insurance. IMHO, if my insurance went up $50 and I still had scores that exceeded 760, I would have taken my business elsewhere.
