im a current Michigan resident and cant afford to pay any more than I have this no fault law creates a higher insurance rate . I can barely afford the car payment and they should not be able to use the credit report against you . I personally think that the credit should have no effect on your insurance rates and also could you make it a necessity for a automobile instead of being considered a luxury. people like myself who have no acess to public transportation that live in the country like myself .please help us



