Reply #32: When auto insurance companies pull your credit it is a "soft inquiry"

[Statistical]

has no affect on your score, same thing with rent check, or employer check, or checks you don't request like CC company doing check to up your credit line. They show up on your credit report but are only visible to you. No creditor can see these and it has no affect on your score.

Only "hard inquiries" which are a credit check you explicitly request for the purpose of obtaining credit can be seen by all creditors and affect credit score.