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Multiple Inquiries - do they REALLY count as one?

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kjm79
Valued Contributor

Re: Multiple Inquiries - do they REALLY count as one?

The information on my EQ and TU reports are gernerally the same.  Two slight differences.  One is a 1% reported UTIL.  TU has my UTIL at 24% and EQ has it at 25%.  TU and EQ weigh util differently.  And as you can see, there's a gap between my EQ and TU scores.  I also have 3 inquiries on TU (2 cc's and 4 auto inquiries) and 5 on EQ (3 cc's, bank app, and 4 auto inquiries).  EQ says that hurts my score.  TU says nothing about it.  The data between agencies can be the same or similiar, doesn't mean your scores will be.  Each looks at different aspects within your reports and applies different weight to it. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
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