http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1276603#M20017 It all depends on how the inquiries are coded ~ most dealers who pull your credit will record as Auto ~ with banks and CUs It will vary. Sat, 10 Mar 2012 15:31:16 GMT pizzadude 2012-03-10T15:31:16Z http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1273885#M19965 <p>I will have 2 hard inquires within a 5 day period with USAA; personal  and  auto (both with equifax).  Does FICO differentiate between the two?  Will this be seperate inquiries or count as one?</p> Fri, 09 Mar 2012 09:36:08 GMT http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1273885#M19965 babbles 2012-03-09T09:36:08Z http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1273997#M19966 <p>If the personal inquiry was for anything other than an inquiry for a car, then FICO will treat it as two different inquiries.</p> Fri, 09 Mar 2012 12:39:07 GMT http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1273997#M19966 llecs 2012-03-09T12:39:07Z http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1275615#M19998 <p>I received two hard pulls on the same day when I bought my car, one from the dealer and one from the finance company.  oh well. </p> Sat, 10 Mar 2012 00:30:42 GMT http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1275615#M19998 bakalao2k 2012-03-10T00:30:42Z http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1276603#M20017 It all depends on how the inquiries are coded ~ most dealers who pull your credit will record as Auto ~ with banks and CUs It will vary. Sat, 10 Mar 2012 15:31:16 GMT http://ficoforums.myfico.com/t5/Auto-Loans/2-hard-pulls/m-p/1276603#M20017 pizzadude 2012-03-10T15:31:16Z