Inquiry question

[Anonymous]

We are in the middle of obtaining financing for a vehicle, and we've had several hard pulls related to that.  I know that in a 14 day period, all of the pulls related to auto financing should count as one.  My question is, if I were to apply for a CC during this time, does the system distinguish between that kind of hard pull and the auto financing pulls?  In other words, do I have "free" hard pulls during this two week window?  Thanks!

[Anonymous]

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@Anonymous wrote:
We are in the middle of obtaining financing for a vehicle, and we've had several hard pulls related to that.  I know that in a 14 day period, all of the pulls related to auto financing should count as one.  My question is, if I were to apply for a CC during this time, does the system distinguish between that kind of hard pull and the auto financing pulls?  In other words, do I have "free" hard pulls during this two week window?  Thanks!

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I could be wrong, but no, no free hard pulls for a credit card. I believe the fico scoring system would be able to determine the difference between the inquiries for auto financing and ones for a credit card.

[BungalowMo]

I agree....it knew the difference between a mortgage pull & a cc pull.  cc.... -15 FICO's on EQ 

Message Edited by BungalowMo on 07-27-2009 05:28 PM