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Your Credit Can Affect Your Insurance Rates

You Have a Right to Monitor Your Credit

You may not know it, but having good credit can lower your rates on many types of insurance policies. That is just one of the many reasons it is important to track your credit and keep it in good standing.


The Fair Credit Reporting Act (FCRA) requires Equifax, Experian, and TransUnion — the three nationwide credit reporting companies — to provide a free copy of your credit report, should you request it, once per 12 month period.


The FCRA is enforced by the Federal Trade Commission (FTC) to promote the accuracy and privacy of information contained in credit reporting company records. This information includes where you live, how you pay your bills, whether you have filed bankruptcy, etc.

How to Obtain Your Free Annual Report

Between the big three credit reporting companies, they have set up a central website, toll-free number, and mailing address through which you can order your annual report.

Visit or call 1-877-322-8228 to request a report. You can request a report from all three companies simultaneously, or from each company one at a time. Remember that the law allows you to request one free report from each company every 12 months. is the only website that is authorized to fill orders for the free annual report that is due to you by law. So be wary of any other sites that offer "free" credit reports or scores, as they are not part of the legally mandated credit reporting program.

If you have any more questions on how your credit score affects your insurance rates, contact Harrison Agency today.

Our Location

Harrison Agency, Inc.

2100 Whitegate Drive
Columbia, MO 65202
Main office: 573-474-9537
Fax: 573-474-0233

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.