12-02-2012 01:00 PM - edited 12-02-2012 02:37 PM
note though that its on each report.
so if they pulled all three reports 3 times it will only be counted as 1 time for each report
not 1 time for all of the reports.
so for example my toyota loan.
the dealer and toyota pulled all three of my reports.
since i already quallified for the best rate they only pulled it once each =) and didnt shop me around as they say.
so it should count as 1 pull on each report instead of 2
Huh? I'm not sure which post you are replying to, but I was asking about credit card inquiries and not auto or mortgage inquiries. I think we are mostly on the same page that inquiries for autos and mortgages during a small window (14 days to 30 days??) are counted as one. The question is, is this the same case for credit cards?
i was just saying in general but i meant that for auto and mortgages. and its 14 days to my knowledge
cc inquiries always count for each one you do.
they NEVER group together.
sometimes if you apply for two cards one after the other the cra might think its a double and delete one but i wouldnt count on that.
edit: thats if you apply for two cards from one bank. ie.. two amexs or two chase cards etc...
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
12-02-2012 02:25 PM
12-05-2012 03:39 AM
In March I applied for auto loan in 3 different Honda dealers and now I have 3 hard inquiries on my TU CR at the same day. Do I have to call TU about that?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO