Geico Ran A Credit Check

by Al
(Henderson, Nevada)

Geico ran a credit check on me without authorization. I did not contact them at any time.

There were two people living here with the same name, and nobody gave Geico a social security number.

How is this legal?

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Hi Al,

Unfortunately, insurance companies DO run credit checks as standard procedure when they get an inquiry for an insurance quote.


The insurance company doesn't even need a social security number to run a credit check. They are able to use your name and address to get a basic credit score.


Supposedly, this type of credit check doesn't really affect your credit score adversely. There is debate as to whether or not that is true, but I tend to fall an the side that it probably doesn't hurt your credit score too much, if at all.


If Geico ran a credit check on you, it will be listed on your credit report, but it will be identifiable as an insurance check and not a request for more credit.


I'm sorry for your concern and upset. It's just the days we are living in. We really have very little privacy left, no matter how much we talk about it.

~Angie