Established Member
Posts: 15
Registered: ‎08-09-2012

Credit Inquiries Merging



I read somewhere that when you shop around for car or mortgage loans, the inquiries made during a month will be merged as one inquiry.


I had two mortgage loan inquiries, one on 8/17/12 and one on 9/5/12 and when I checked my transunion report on 10/5/12,  I saw them as two inquiries. 


My question is, is it showing two inquiries only to me as a consumer or will it be the same to creditors. Should I dispute the record?


I appreciate any help and thanks in advance.

Regular Contributor
Posts: 200
Registered: ‎03-15-2012

Re: Credit Inquiries Merging

They won't merge into one inquiry. In FICO scoring models, they are scored as one inquiry, as long as they are coded the same (for auto loan purposes) and within a 45-day period.


Everyone will see 2 inquiries, including you and any creditors that see your report. But when it comes to your FICO score, the two inquiries will only be counted once.

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 672
Established Member
Posts: 15
Registered: ‎08-09-2012

Re: Credit Inquiries Merging

Thank you very much for the response.

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+