Geico Pretends to be cheap, but rip you off for CREDIT REPORT! Spokane Nationwide

I asked for a simple insurance quote on my car which is an 05.  I got a HUGE quote, not because I am a terrible driver (no tickets, no accidents), not because I haven't been driving long...40 years driving a commercial vehicle, but because of some OLD credit dings.  Geico didn't inform me that they would be dinging my credit for an insurance quote either.  The more inquiries, the lower your score gets.  I was not informed that simply by shopping for car insurance, my credit score would be lessened...  This should have been told to me up front.

Here are the reasons my quote was so high.

-Insufficient length of credit history (-)  [only since 1988]

-Recent delinquency (-) [2008 foreclosure, this is 2015]

-Delinquency (-) [from any time in my life apparently]

-Delinquency date too recent (or date unknown) (-) [2008 on a house payment only is too recent?  Since when do reporting companines report delinquencies without a date?]

So because I lost my house, but stayed current on my other bills, Geico sees fit to not only damage my credit for their auto insurance quote, but also give me 4 different (-) in order to get more money.

Here are some of the insulting things they said on the next page;

"Research shows that consumers with longer credit histories have lower insurance loss risk than those with shorter credit histories."  So years of driving accident and ticket free are nothing compared to the year old credit card you never used...

"Analysis of consumer credit histories shows that consumers with previous late payments are much more likely to have greater insurance loss risk in the future."  The fact that I have NOT had any tickets or accidents doesn't matter because "analysis shows" that after all these years I might suddenly become a risk because my house was repossessed 7 years ago.  Really.  I have had insurance for 40 years as well...without any breaks in coverage.

"Research reveals that consumers with previous late payments are much more likely to have higher insurance loss risk in the future."  Even if you have never been a "loss risk" in your life.  The RESEARCH REVEALS that I'm a risk!  Not actual facts, un-cited abstract RESEARCH reveals it.  What research?  Into what?  It sure wasn't "research" into my driving record and (non-existant) LOSS file.

Again they explain the last "delinquency" ding as "ANALYSIS" makes the consumer more likely to be a loss risk.  Not your driving record or the number of miles driven accident and ticket free...ANALYSIS of late payments is the deciding factor of risk.  Seems more like they want to make sure they get the money than it does about "loss risk".

My credit score was over 700 btw.  Not bad for being the kind of deadbeat "risk" that GEICO makes me out to be.  4 separate (-) for the same event.  Thanks GEICO.

GEICO needs to be more upfront about what they are doing.  Using a credit report instead of a driving record for a car insurance quote is playing dirty.  Claiming that a missed house payment means that you shouldn't have reasonable car insurance is bad policy.  The fact that they check your credit apparently WITH your (unknown) authorization makes your credit score go down should also be explained to auto insurance shoppers.