I was looking into getting some insurance quotes and it turns out that they want to do a credit check to give me a quote. I was put off at that because I thought those inquiries would be hard. However, according to http://www.insurancescore.com/inquiries.aspx

"Inquiries that don’t count toward your Fair Isaac insurance score.
Your own credit report requests, credit checks made by businesses to offer you goods or services, credit checks made by insurance companies, or inquiries made by businesses with whom you already have a credit account do not count toward your Fair Isaac insurance score. Credit checks by prospective employers also do not count. These types of inquiries may appear on your credit report, but they are not included in your Fair Isaac insurance score."

So are insurance quotes soft inqs? If so you could just get a bazillion quotes for b*

Any thoughts?

I think it would be easier to use Chase ID protect, TrueCredit, or any other the others for a small fee. Are you really planning on 100+ insurance quotes to b* everything?

MikeR397 said:I think it would be easier to use Chase ID protect, TrueCredit, or any other the others for a small fee. Are you really planning on 100+ insurance quotes to b* everything?
Well, there is a minimum amount of time do get all those bumps with those services(1 per day per service). This way - at least in principle - it could be done in a day with those 100+ quotes. In reality, you would combine the approaches to get b* as fast as possible.

cheers

Those insurance quotes take forever to fill out. Make sure you use the autofill from the google toolbar or something to save some time.

Trinidon2k said:Those insurance quotes take forever to fill out. Make sure you use the autofill from the google toolbar or something to save some time.
Good point.

EugeneV said:My wife and I got hard inquiries for a quote from Ameriprise. When I called to complain, they assured me that although it is a hard inquiry, it is coded as auto insurance and does not impact bankcard score.If you're dealing with Ameriprise, a hard inquiry is the least of your problems.

I am not dealing with Ameriprise. I just needed Delta partner activity (+500 miles).

Same here...just got a hard on EQ...called them to dispute and they verified it is NOT coded as an insurance inquiry but rather a credit inquiry that will impact score. They refused to allow me to dispute it and insisted that I contact Ameriprise to deal with it. WTF?

nmlss said:I'll contact them again tomorrow. I'll keep everyone updated as to what happens.
Well? What happened?

Well, A. maintains that they performed a pull with 'the insurance quote flag' so it would not show up as a hard inqury, therefore says it's a credit bureau error. I sent a dispute letter to the credit bureau, we'll see.
As to the credit/risk correlation, I am one of those insanely peculiar people who firmly believe that the correlation is made to maximise profit margins for the insurance cos, not to be 'fair' - which brings us higher insurance with points on your license, etc. So you see, I have a fundamental issue with how the auto insurance system works in general, but that is intensely OT.