Quote:
Originally posted by 94_AcCoRd_EX
Credit reporting agency has my traffic record? My traffic record won't affect my credit, will it? 
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no the credit reporting agency(ies) that has your traffic record reports to the insurance companies and they use the info when they quote you for a policy.......same principle as what credit cards and banks do.......
so, the shittier you records is, the higher your insurance quote gonna be.......