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 Posted: Tue Jul 13, 2010 7:31 am Post subject: Home insurance with no credit check |
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Is it possible to obtain home owners insurance without any credit check?
I don't usually consult online agents or sites, I was once an ID theft victim.
Can I get a quote anywhere without disclosing my SSN, DOB or latest
insurance carrier?
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Billyjeancox
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| Posted: Tue Jul 13, 2010 8:19 am Post subject: |
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Post edited and link deactivated as per forum rules, thanks.
This could help you as per your requirement. |
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DIMG786
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Joined: 11 Jul 2010
Posts: 36
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| Posted: Thu Jul 15, 2010 6:40 pm Post subject: |
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Billiejeancox . . .
You will be better served using a local agent to do this for you. Not only will you save time, protect your personal information, and probably save money, you'll end up with the correct coverage for your needs which is most important.
An insurance company's ability to underwrite based on a credit report is governed under state law. Some states permit it, others do not. Your signature on an application for insurance usually gives consent to view your credit report, even if it cannot be used as an underwriting factor.
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MaxHerr
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Location: Pomona CA
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| Posted: Fri Jul 16, 2010 1:03 pm Post subject: |
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Many small mutual companies still do not use credit score. Find a local agent and ask if they have companies who can quote without credit score
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DanWilliams
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Joined: 24 Nov 2009
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| Posted: Sat Jul 17, 2010 7:49 am Post subject: |
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| Quote: | Your signature on an application for insurance usually gives consent to view your credit report, even if it cannot be used as an underwriting factor.
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So you mean, it was mentioned somewhere in my policy papers? Can it really harm me?
| Quote: | | You will be better served using a local agent to do this for you. |
I'm sure it's gonnabe a challenge for me!
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Billyjeancox
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| Posted: Sat Jul 17, 2010 8:48 am Post subject: |
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| Quote: | | So you mean, it was mentioned somewhere in my policy papers? |
Yes, it would have been in the application, if they were going to/wanted to be able to do it. The disclosure is required by the Fair Credit Reporting Act, and perhaps other state laws.
| Quote: | | Can it really harm me? |
Only if it leads to a decline or prevents you from obtaining coverage at the lowest possible rate for the policy you obtain.
Finding a local agent should not be a challenge. Ask your friends and coworkers for recommendations. Call a few and talk to them. If you don't feel comfortable with one, find another. It won't take too much effort on your part -- it will just take some of your otherwise valuable time.
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CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
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MaxHerr
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Joined: 29 Nov 2009
Posts: 4622
Location: Pomona CA
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