Insurance companies routinely check your credit when signing you up, so it was baffling that Progressive would have issued my wife a policy without her thawing her file. But it listed TransUnion as “the financial responsibility vendor” — an amusing euphemism if you know how long consumer advocates have been complaining because insurance companies use credit data to set rates — and sure enough, my wife’s frozen credit file indicated that Progressive had pinged it this month.How? Incredibly, an exception often allows insurance companies to check your credit even if you want nothing to do with them. As we learned, …
