We recommend that you go to www.myfico.com . While they will charge you for the report, they will also give you recommendations on what you can do to improve your score.

Yes. Companies will assume the worst about your credit though and the price will be the highest possible.

Potentially. This is something to talk directly to your agent about. Different companies have different requirements.

No. Credit inquiries could lower your score as they are an indication that you are considering a new line of credit and/or debt. The inquiry pulls a great deal of info that includes your current loans, your history of paying bills, and what your amount of revolving debt is. Obtaining a credit score is just a snapshot.

Everything in insurance is based on statistics. Several years ago, two insurance companies scored their book and looked at the claims experience based on the credit score. The results indicated a strong correlation between your score and your likelihood of having a claim. People with high scores had fewer and smaller claims. People with lower scores had more frequent and larger claims.