Reply
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

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???



Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007
0

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.
Valued Contributor
Posts: 1,451
Registered: ‎03-19-2008
0

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.
Highlighted
Valued Contributor
Posts: 1,451
Registered: ‎03-19-2008
0

Re: loan shopping & fico deduplication

Any mods have any input about my score still dropping w/ mult inqs from same CU?
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.