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Insurance Inquiries Do Not Affect Credit Scores

Dear Experian,

I am shopping for car insurance. All of the insurance companies want to check my credit report. What impact will this have on my credit report?

– JNI

Dear JNI,

An inquiry will be added to your credit report each time an insurance company accesses your credit report. But, the inquiries will have no effect on credit scores or lending decisions.

Insurance inquiries are shown only on your personal credit report. They are not provided to lenders, so they are not considered in credit score calculations or lending decisions. The inquiries are treated the same way as inquiries for employment purposes, preapproved credit offers, and requests from you for a personal credit report.

Because inquiries for these purposes are the result of your application for credit, they are shown only to you so that you have a complete record of who accessed your credit report and why.

Thanks for asking.
The “Ask Experian” team

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