I do not agree! With the "de-duplication window", FICO looks at your history for the last 12 months, and when it sees two or more hard inqs for the same type of mortgage or auto loan within a two-week period (30 or 45 days now someone correct me if I am wrong), it will ignore all but one of them as far as scoring is concerned. FICO doesn't treat credit card inquiries like this, BUT THEY SHOULD!!!
Yes, you had three credit inquires to get the refinanced new loans, which hit you for about 10 pts each, and will stay on you CR for one year/
onthemend wrote:I just looked at my report and it appears that one of the loans that was refinanced reported 30 days past due around the time it was paid off. How do I dispute? Do I go to the company or through the bureaus?