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In Michigan, insurance premiums are partially based on credit score.
As far as the credit/no-credit, my buddy paid off his debt 7-8 years ago. drove beaters & rented a room. Finally decided to get a decent car. The bank said his credit score was 0. Everything was too old to give a score, meaning he was considered a perfect credit risk. But he went to a bank and not a credit union so his '07 was costing him 5%. Our CU gave us a 2.99% rate on the wife's Exploder.
