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Regular Contributor
babbles
Posts: 142
Registered: ‎11-11-2007

2 hard pulls

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‎03-09-2012 01:34 AM - edited ‎03-09-2012 01:36 AM

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?

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llecs
Posts: 31,965
Registered: ‎08-04-2007

Re: 2 hard pulls

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‎03-09-2012 04:39 AM

If the personal inquiry was for anything other than an inquiry for a car, then FICO will treat it as two different inquiries.

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bakalao2k
Posts: 448
Registered: ‎02-21-2009

Re: 2 hard pulls

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‎03-09-2012 04:30 PM

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. 

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
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pizzadude
Posts: 6,333
Registered: ‎01-28-2010

Re: 2 hard pulls

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‎03-10-2012 07:31 AM

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.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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