You can order your annual free credit report from the three credit reporting companies at the same time through a central website at, or by calling toll free 1-877-322-8228, or by mailing a request via U.S. Postal Service to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. ​
No, putting a lock or a freeze on your credit file won’t impact your insurance premiums when you renew your policy. Because we have an existing business relationship with you, we can still get the infomation we need to provide you with the most accurate rate.​
Under the Fair Credit Reporting Act, you have the right to dispute the accuracy or completeness of your report. You'll need a copy of your report and a confirmation code that comes with it before Equifax can talk with you in any detail about your report. If Equifax changes your report, it will send you a confirmation notice. 

Note that not every state allows for your credit score to be considered in setting your rate. If your credit report is changed, and your state does allow for the use of credit-based insurance scores, then once you receive your change confirmation, please call PEMCO Customer Service at 1-800-467-3626 and we'll reorder your insurance score. If the new score results in a lower rate, we'll change it retroactive to the beginning of your current policy term.
They predict different things. Credit scores measure creditworthiness, while insurance scores measure the likelihood of insurance risk. Your credit score is often one part of your insurance score, as credit histories have proven to be very predictive of future insurance loss claims. Depending on your state, your insurance score may be considered as one factor (among many others) to help determine your rate.