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loan shopping & fico deduplication

Moderator Emeritus

Re: loan shopping & fico deduplication

The ones from the same souce are obvious
 
Imposible to see any others without traking-

ivyalmighty wrote:
timothy,
How do you KNOW they only count as four? Is there somewhere I can look at mine & see how they are counted???



Message 11 of 14
Senior Contributor

Re: loan shopping & fico deduplication



Timothy wrote:
Well the de-dup window is wide-
But the Hit just takes longer to revover from-
 
Instead of getting those points back in June- I will need to wait until March !!!!!!!!


sooo, the 1 year clock is reset on getting the points back from multple pulls from the same source. but if it's the same source no additional point hit.
Message 12 of 14
Valued Contributor

Re: loan shopping & fico deduplication

Ok, I think I get it but it's not making sense in my situation because in that case, we wouldn't have dropped 7 pts again when NFCU pulled our credit last week for the CC because they would have all been w/in the 1-yr window. They are obviously not linking, otherwise our scores wouldn't have taken the hit from the same CU checking credit again.
Message 13 of 14
Highlighted
Valued Contributor

Re: loan shopping & fico deduplication

Any mods have any input about my score still dropping w/ mult inqs from same CU?
Message 14 of 14