I hate to keep bringing this up, but last night my ex-sister-in-law called (texted on my cell phone), to tell me she had received a letter from her car insurance company that needed to be signed and returned in order for them to do a credit check. I can see having a credit check if you are taking out a loan, or getting a credit card, but not for paying for services. Again, I do believe there is something to your car insurance rates being tied to your credit scores.