Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
Re: applied for an auto loan and now there's 26 inquiries

All the more reason to go with a local credit union.  My last car purcahse I used USAA, and had one inquiry on Equifax - that's it.  My previous one I used a credit union but also had credit checked at the dealer.  Big mistake.  


If you are a member, look at the USAA posted rates vs. your credit union and go with the lowest.  If you want to compare both offers, apply at both. 

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL