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@Anonymous wrote:
I'll tag on a related question I was going to post in the general credit forum, and still may. DH had something like 7 inquiries across all bureaus when buying a car. All on one day. They say when you're getting a car loan or home loan they don't count multiple within a certain period of time, but how do they know? And is that only if a human is viewing? Or would the algorithms account for that?
Inquiries for mortgage or auto loans are counted as one in the eyes of Fico if done within a 2 week period. They have to be coded as such for Fico. Computers will pick them up.
@gdale6 wrote:
@Anonymous wrote:
I'll tag on a related question I was going to post in the general credit forum, and still may. DH had something like 7 inquiries across all bureaus when buying a car. All on one day. They say when you're getting a car loan or home loan they don't count multiple within a certain period of time, but how do they know? And is that only if a human is viewing? Or would the algorithms account for that?Inquiries for mortgage or auto loans are counted as one in the eyes of Fico if done within a 2 week period. They have to be coded as such for Fico. Computers will pick them up.
Thanks for the reply. Is there any way that we can see the coding?
@Anonymous wrote:One thing is certain: Cap One pulls all three for every card. Ouch. I do nto have many inquiries, but the tripple pulll for both Qs1 and Venture I felt the sting....the 10k Venture approval lessened the sting, but still...
I have read about the 3x pull from Cap, but i have not found that to be the case.
I got the SAKS WEMC last july and there was only one pull from EQ
@Anonymous wrote:
@Anonymous wrote:One thing is certain: Cap One pulls all three for every card. Ouch. I do nto have many inquiries, but the tripple pulll for both Qs1 and Venture I felt the sting....the 10k Venture approval lessened the sting, but still...
I have read about the 3x pull from Cap, but i have not found that to be the case.
I got the SAKS WEMC last july and there was only one pull from EQ
We are talking about the bank's cards: Platinum MasterCard, QS1, QS, VentureOne, Venture