Humm.. I should have read the articles before asking that. I see the place I need to call now. Interestingly one of those articles contains this quote:

"The Travelers Group will not write coverage if an applicant's credit report has what's called the "big five": Foreclosure, repossession, lien, claims judgment against you, and bankruptcy. Travelers actuaries have determined that applicants with any of the "big five" on their credit report file 30 percent more claims than people who don't have credit problems."

Now, I have Travelers auto insurance and have had it since August of 1999. I have a repossession (false) on all three reports, and a tax lien from the California Franchise Tax board. They did pull my reports (I can still see the inquiry) and they gave me an outstanding rate, even though my wift totaled my last car.

My agent knew about the accident and I was stunned when he quoted me the low rate I have and was even MORE stunned when my wife qualified for a "good driver discount". My agent told me he was able to write the policy that way because my wife's accident was not reported in clue.