I'm calling around for insurnace and I guess they run your credit... To see what type of risk you are. And talked to some banks and they said that running your credit lowers your score. My Trans Union is a 698. A lot of the banks move up a tier at 700 credit score. That just plain SUCKS... I call for insurance for a motorcycle I'm getting in about a month and I get a $hitier loan rate because I have too many inquires. That make no freaken sense!!!