Free 15-minute credit review
Car insurance rate climbing? Your credit may be why — find out.
In most states, insurers use a credit-based insurance score to help set your rate. A real specialist shows you what on your report may be influencing it — and what may be workable.
No credit card · no obligation · phone optional · your info is never sold.
Insurance Rate Scan
Illustrative example — not a real credit report.
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Your driving record isn’t the only thing setting your rate
In most states, insurers factor in a credit-based insurance score. A few items on your report can quietly nudge your premium up — and most people never connect the two. Fifteen minutes shows you what may be in play.
The FTC found 1 in 5 consumers had an error on at least one of their credit reports. If credit-based information is part of your rate, what’s on your report is worth a look — and some of it may be disputable.
Your insurance score is not your FICO score
A credit-based insurance score is a separate model built for insurance pricing — not lending. Where state law allows it, an insurer may use it as one factor alongside driving history, claims, your vehicle, coverage choices, and location.
Lending / FICO score
- Estimates credit-repayment risk
- Used by lenders
- One input to a lending decision
Credit-based insurance score
- Estimates insurance loss risk
- Used by some insurers
- One input to a rating decision
Different model, different purpose — with some shared credit-report data.
What a review can do: spot the credit information that may feed an insurance score. It can’t explain every part of a premium change — many non-credit factors matter too.
Credit-based insurance scores differ from credit scores (NAIC). Use and rules vary by state.
What we’d look at on your report
Insurers don’t read your report the way a lender does, but credit-based information factors into many rate decisions. Some of what’s there may be inaccurate or outdated.
The good news: once you can see what’s actually on the report, each item becomes something you can understand and act on — that’s the whole point of the free review.
You’ll talk to an actual credit specialist
No call-center script, no upsell ambush. A specialist at MSI Credit Solutions goes through your report with you, explains what credit-based information may be influencing your rate, and gives you a straight read on what’s workable.
It’s free, takes about 15 minutes, and there’s no obligation to do anything afterward.
Start my free reviewWhat you’ll know after the free review
No pressure, no jargon — just a straight answer and a plan.
Tell us what happened
A quick 15-minute call. Share what you’re dealing with — and we look at what’s actually on your credit report.
We pinpoint what may be hurting you
We go through the specific items on a report that can cause trouble — and flag what may apply to you.
You leave with a realistic plan
A clear, honest action plan: what may be disputable, what to rebuild, and a realistic sense of timing.
We can’t guarantee approvals or a specific score increase, and we can’t remove accurate information. What we can do is show you what’s affecting your credit, what may be disputable, and exactly what to do next.
What you’ll walk away with
- Whether credit-based information may be affecting your rate
- Which items might be inaccurate, outdated, or disputable
- What may be workable before your next renewal
- A realistic sense of what’s in — and out of — your control
Backed by MSI Credit Solutions
Questions people ask
Does my credit affect my car insurance rate?
In most states, yes — insurers use a credit-based insurance score as one factor in pricing. It’s a separate model from your FICO score but draws on some of the same credit-report data. A few states, including California, Hawaii, Massachusetts, and Michigan, restrict or ban the practice.
Why does my car insurance keep going up?
Rates move for many reasons — claims, your vehicle, location, and coverage — and in most states, credit-based information is one of them. If your credit shifted, that may be part of it. A review shows what’s on your report behind the score.
What is a credit-based insurance score?
It’s a score insurers use to help predict risk and set premiums. It’s built for insurance pricing, not lending, so it isn’t the same as your credit score — but inaccurate or outdated credit-report items can still affect it.
Can a credit review lower my insurance?
We can’t promise a rate change — premiums depend on many factors. What a free review can do is help you spot credit-report information that may be feeding an insurance score, and what may be disputable.
See what may be affecting your rate — free
A 15-minute review helps you spot what credit-based information may be influencing your premium, and what may be disputable. Rate impact varies by state and insurer — no credit card, no obligation.
Get my free rate-factor reviewFree · about 15 minutes · phone optional · no credit card · your info is never sold.