Hello, Thank you for your message. Companies indicated by a green star on the quote pad will use your credit reports to produce a quote. If you do not want a quote from these companies, simply uncheck the box. Each insurance company has its own particular rating criteria that they consider when providing quotes. The use of credit history for rating and underwriting is permitted by many states because it may be a reliable way to predict the likelihood of an insurance claim being made under the policy. Generally, an insurance inquiry is not used in the credit scoring models. If you need any further assistance, please let us know. We appreciate your business and thank you for using InsWeb. Regards, Krista Cesarini 1-800-871-5075 InsWeb Customer Care Specialist www.insweb.com Original Message Follows: ------------------------ Will getting quotes cause inquirys on my credit report. Will my premium be based on my credit report and or CR.Score?