 TITLE: Do Home Insurance Companies Check Your Credit? CONTENT: Will an Insurance Credit Check Impact Your Score?\n-------------------------------------------------\nYour credit score will not be impacted negatively when an insurer checks it because you've applied for coverage.\nThat's because credit checks fall into two categories: hard inquiries and soft inquiries. Hard inquiries happen when your credit is pulled because you've applied for new credit, like a mortgage loan, and they can slightly ding your credit for about a year. Many hard inquiries in a short period of time can be a red flag since it can signal that you're struggling financially and are using debt to make ends meet.\nThen there are soft inquiries, which is when you check your own credit or a lender or other business checks your credit to prequalify you for an offer. Soft inquiries don't affect your credit scores. An insurer looking at your credit history or credit-based insurance scores will result in a soft inquiry on your credit report.\nBoth hard and soft inquiries will remain on your credit report for about two years. END