History is a written reconstruction and interpretation of the past. Insurance companies and lenders will investigate your credit record which is a history of your credit reports.

Your insurance history - experience and claims - can be a strong factor in the rate you will pay. The insurance answer about history is the longer you have had consistent insurance without any clams then the lower the risk. Higher risk pays more. Lower risk pays less.

When you apply for insurance the underwriter will access the records they have to check your history. There have been instances of mistakes on these records. If there is a problem with your history then you need to get it corrected. If you cannot get the correction done then keep a copy of the correct history to establish your correct rating.