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Moderator Emeritus
Timothy
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
imducky
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
ivyalmighty
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.
Valued Contributor
ivyalmighty
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?

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