Turn on more accessible mode
Turn off more accessible mode
Skip to main content Skip to site map
  • Account
    • Overview
    • Sign out exit_to_app
Sign In
  • | My Account
    • Overview
    • Sign out exit_to_app
|   Sign In
  • Insurance
    expand_more
    • Auto
    • Home
    • Renters
    • Condo
    • Umbrella
    • Specialty
    • Boat
  • Service
    expand_more
    • Claims
    • Make a Payment
    • Contact Us
    • Find an Agent
    • FAQ
    • Sign In
  • Careers
    expand_more
    • Job listings
    • Internships
    • Gateway Program
  • Mutual good
    expand_more
    • People
    • Community
    • Environment
  • About
    expand_more
    • Leadership
  • Blog
    expand_more
    • All Stories
    • Articles
    • Press Releases
    • NW Polls
    • Newsletter
    • Tips & Resources
  • Get a quote
Service   chevron_right   Insurance Score FAQ

Insurance Score faqs

  • General
  • Auto insurance
  • Home Insurance
  • Boat Insurance
  • Online account
  • Paperless
  • Policy changes
  • Insurance score
  • Go PEMCO app

Get a quote

  • Auto Insurance
  • Auto + Home Insurance
  • Auto + Condo Insurance
  • Auto + Renters Insurance
  • Home Insurance
  • Condo Insurance
  • Renters Insurance
  • Boat Insurance
  • Umbrella Insurance
1-800-GO-PEMCO
Retrieve a saved quote

keyboard_arrow_down

Insurance

  • Insurance
  • Auto
  • Home
  • Renters
  • Condo
  • Umbrella
  • Specialty
  • Boat

keyboard_arrow_down

Service

  • Service
  • Claims
  • Make a Payment
  • Contact Us
  • Find an Agent
  • FAQs
  • Sign In

keyboard_arrow_down

Careers

  • Careers
  • Job listings
  • Internships
  • Gateway Program

keyboard_arrow_down

Mutual good

  • Mutual good
  • People
  • Community
  • Environment

keyboard_arrow_down

About

  • About
  • Leadership

keyboard_arrow_down

Blog

  • Blog
  • All Stories
  • Articles
  • Press Releases
  • NW Polls
  • Newsletter
  • Tips & Resources
Download our app

Download the PEMCO app for Android
Download the PEMCO app for iOS
1-800-GO-PEMCO


1-800-GO-PEMCO
Terms & Conditions
Privacy & Security
Accessibility
Contact Us
Search Website
PEMCO Mutual Insurance Co.
Seattle, WA © 
What's the difference between a credit-based insurance score and a FICO credit score and how does it affect my policy? What does my FICO credit score have to do with my insurance?
They predict different things. Credit scores measure creditworthiness, while insurance scores measure the likelihood of insurance risk.​
I’m a PEMCO customer. Will having a freeze on my credit file affect my insurance premiums?
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.​
What if there's an error on my credit report?
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. Once you receive that confirmation, please call PEMCO Customer Service at 1-800-467-3626, and we'll then 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. ​
How can I get a copy of my credit report?
You can order your annual free credit report from the three credit reporting companies at the same time through a central website at http://annualcreditreport.com, 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. ​