really confused page 2 says 5 inq's, inq section says 9 in the last year?

[Anonymous]

ok, if hards don't ease in scoring why the discrepincie?

[haulingthescoreup]

These are all for the same CRA, right?

Are 5 of them all for a car loan or mortgage, and thus grouped together for scoring? If so, maybe they would only show as one on screen 2, along with four others for CC's etc.

[Anonymous]

all from the eq report i just poped for. no mortgage or car shopping. i'll try and post up pics.

[Anonymous]

1.                               You've recently been looking for credit.

Your applications for credit in the past year
5 inquiries

About 72% of FICO High Achievers [?] did not apply for credit in the past year. Of those that did, about 20% applied for credit just once.

2.                               Each time you apply for credit a credit inquiry is added to your credit report. Your credit report shows recent credit inquiries, which indicates that you've recently been seeking credit. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO score was lowered due to the number of credit inquiries performed within the last 12 months. Your FICO score will consider these recent inquiries less as time passes, provided no new inquiries are added.

Note that your FICO score usually identifies when you are rate shopping for a mortgage or auto loan and treats those multiple inquiries as a single inquiry.

3.                               Keep this in mind: As a general rule, if you don't need or plan to use credit, don't apply for it.

Inquiries affecting your FICO® score

Total: 9 Times

Date                                                                 Company making the inquiry

January 08, 2008                                             Just Fcu

December 31, 2007                                         Delta Ecu

December 31, 2007                                         Deltacomcu

December 09, 2007                                         Thd/Cbsd

November 17, 2007                                          Citi

October 30, 2007                                             Fusa, Na

October 18, 2007                                            Just Fcu

October 18, 2007                                            Just Fcu

March 21, 2007                                               Cbcinnovis

now as i see it, i have had 5 in the last 3 months and 9 in the last year. page 2 clearly says i'm being dinged for 5. input please?

Message Edited by dnm45227 on 01-20-2008 07:20 PM

[haulingthescoreup]

Innovis harded you? Dang, that's harsh.

OK, I used up my one idea, this one's up for someone else.

[Anonymous]

innovis is a leftover from the mort refi. it's the only inq related to a mort listed.

[Anonymous]

I have a theory about this-

Page 2 is de-duplicating the inq's from the same source.

I don't have INQ's on anything but EX- so I can't verify this with my own report-

[Anonymous]

ok i can buy that, but scoring wise what's the damage? dinged for 5 or 9, and why would one section de-duplicate and not the other?

[Anonymous]

Well Ducky-

I did not get any points deducted on EX for the addtional INQ's from AMEX and my CU. 

IMO-Only the 5 are being deducted for scoring-

I will do my best to verify this.

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dnm45227 wrote:

ok i can buy that, but scoring wise what's the damage? dinged for 5 or 9, and why would one section de-duplicate and not the other?

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[Anonymous]

5 would be my guess also, but who knows. i was surprised to see the way it read, figured i'd put it out there for opinions.