@samahok wrote:Oh ok, I thought that there was something about pulls from the same lender only counting once if done within the 30 days...I guess its not that huge of a deal, I think I still only have 5 inquires on that report.
Thanks!
This is sort of true but not with credit cards. Multiple inquiries generated when rate-shopping for a mortgage, auto or student loan are consolidated by credit scoring models when done within a certain window of time. The FICO scoring model ignores mortgage, auto and student loan inquiries in the 30 days prior to scoring. Mortgage, auto and student loan inquiries older than 30 days are lumped as one inquiry whenever they fall within a 14-day span. Newer versions of the scoring model count the shopping period as any 45-day span. VantageScore lumps such inquiries that occur within a rolling 14-day window as one inquiry. I believe this is still the industry standard.
Any reason you got the slate istead of CSP with the freedom?
