@pizzadude wrote:
@WallyxD wrote:
Does anyone know why several auto and mortgage loan application inquiries are combined within a specific time period but not student loans? What are the chances that in the future student loan applications will be grouped as one inquiry?
Actually student loan inquiries are handled in a similar way to auto inquiries by FICO scoring ~ multiple inquiries within a ~30 day window will be scored as one inquiry.
That's weird because that definitely wasn't the case with me. I applied for a few student loans within a two week period during the Summer of 2011, and they've all come up as separate inquiries. A lot are due to fall off by the end of September so I shouldn't be worried about it anymore, but those inquiries are the two of the three reasons why I was denied several CCs, which is what made me ask this. And Luscher, I wasn't talking about federal student loans. They hit my AAoA because they reported as new accounts, but I don't get inquiries for them. I was referring to private student loan applications.
AE CC: $1,050 | AEO Visa: $1,890 | Cap1 QS: $2,100 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,650 | Overstock: $1,700 | PayPal Smart Connect: $1,500 | Walmart $2,200
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