On December 13, 2006 I wanted to get an idea of kind of interest rates I would get on a car loan and therefore I very naively went to LendingTree.com and completed an auto application. I received an offer from Capital One Auto Finance which I never used and have kept my old car instead.
The problem is that after reading these forums and pulling all 3 of my credit reports I see that I got dinged with a hard inquiry from Capital One Auto Finance on all 3 credit bureaus. Is this normal for them to inquiry all 3 CRA's? (All other inquiries I have over the last 5 years have been to just one of the CRA's) How long do I have to wait for the inquiry not to negatively affect my FICO....1 year, 2 years?
