Identity theft is a growing problem. Each year the number of people affected by identity theft increases. Identity theft wreaks havoc on a persons credit score and causes a ripple effect that reaches almost every aspect of a person's life. It takes a lot of hard work and vigilance to repair ones credit after being damaged by an identity thief. While repairing credit people need to be sure to control as many of the affects of the damaged credit score. Victims may need to find car insurance that doesn't take your credit into account.

Since most auto insurance companies now use credit score as a major factor in assigning risk, victims of identity theft should contact their insurance agent before the next policy renewal to ask how the company weighs credit score. If the company assigns a heavy weight to credit score, the person needs to ask their agent how to let the company know they have been the victim of identity theft. If the insurance company will not take identity theft into consideration, the victim may need to find an insurance company that does not require a credit check.

When a victim of identity theft finds themselves looking for a new car insurance company, the first step to take is to speak with their current agent. If the current agent can't offer a policy that does not consider credit, the person needs to find an independent insurance agent able to find a company to suit their situation.