So if I am reading correctly, they could use either EX or TU? Also, do you think they would count inquiries separately? What I mean is that I was car shopping in January and some of these dealers (unbeknownst to me) ran tons of inquiries with different lenders, so now I have like 15-20 on each credit report. However, all of them are within 2 days of each other. I know FICO would score them as one, but it is sounding like Barclays will do a manual review.
Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
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