Credit Inquiries

[CreditRepairMission]

Since this past May I've applied for credit a few times. On May 1st I applied for a Kay Jewelers credit card to have a new positive line of credit since I didn't have many open.

In mid July I traded in my car for a new one. I know when dealerships run credit apps they inquire with a few different banks at once. For me, they ran me off 9 different banks. I was under the impression that when applying for auto loans and mortgages that those types of credit inquiries lump into one or fall off your report within a few months.

Here it is December 1st, over 4 months after purchasing the car and all those credit inquiries are still on my file. How do I get those off or when do I expect those to come off?

[Anonymous]

you can't 'get them off', but for scoring purposes they should only count as one inquiry.

[RobertEG]

The inquiries all remain of record in your credit file.

However, FICO scoring looks at them as only a single inquiry if all were made within the sliding number of days window used by the specific scoring version.

[CreditRepairMission]

Ok so just to be clear,

Looking at my credit report I can see that they are showing as 9 separate inquiries. But technically scoring agencies and when other companies that check my credit file before deciding my credit worthiness only sees all of those as 1?

[Anonymous]

They will only count as one if the creditors use the proper type of pull name. My dealer named the pull automotive. Ford Credit named it "national credit cards/ airlines". Nothing even closely related. Does Ford even have any credit cards, or airline cards to begin with? I so wanted to call and bitch regarding this, but thankfully I only had 2 inquiries from a buying a Ford, and I didn't even the loan from my dealer, but through my CU.