Harrison Agency, Inc.
2100 Whitegate Drive
Columbia, MO 65202

Fax: 573-474-0233

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 annualcreditreport.com 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.

Annualcreditreport.com 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.