Would these people necessarily know? I mean, if I'm getting quoted $10,000 a year to insure my car and my neighbor pays $1,000 for a similar car, I'm going to n

Would these people necessarily know? I mean, if I'm getting quoted $10,000 a year to insure my car and my neighbor pays $1,000 for a similar car, I'm going to notice. But if I'm getting quotes of $1,200 or $1,500 would I know my thin data file is costing me money rather than some other mystery factor? Rinse. Repeat for loans a half percent to a full percent higher than my credit score should otherwise get me.