I can think of a few implications of this: (1) Credit information is being used in situations where it is largely irrelevant. Using credit history as a proxy for character is a farce. The tiniest facts (or possibly lies) about your financial behavior are magnified beyond all proportion when major decisions like hiring or issuing insurance are based on them. There's already a better way to tell whether you're a good risk for auto insurance. It's called your driving record. (2) Irrelevant credit information is usually used in a negative way, but apparently not in this case. This is a clear example of a positive offer being initiated on the basis of my credit record. Credit bureaus are still more than glorified blacklists, although that may not continue much longer. (3) The "preapproved" label must be quite compelling if even insurance companies are using it. I know I have a slight weakness for preapproved offers, simply because I hate getting turned down. But I try to make sure that the term is being used properly before I apply. That means the familiar language: "based on an initial prescreening report obtained form a credit reporting agency..." or something similar to that. When anything else like a separate set of underwriting standards is added, it isn't really preapproved.