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Looking around for homeowners' insurance – no one wants to give a quote without DOB/SSN. One agent told me that the credit report that insurance companies run do not show up as a negative on your credit report (unlike say, an auto loan…).

I believe this may depend upon your state of residence. Maryland, for example, no longer permits the use of a credit report to establish discounted rates on homeowners' insurance. But I think the question you asked is whether their report shows up as a negative.

Based on my looking at my credit reports, I know it does show up on there... Permissible Purpose - Insurance or something like that. I do not know if that is counted in the FICO score, but I'd guess that it's not.

I'd repost this on the Consumer Credit/Credit Cards board, as it is a more active board and you may get some better answers.

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