Posts: 567
Registered: ‎10-04-2012
Re: applied for an auto loan and now there's 26 inquiries

lamador wrote:

Hello, I recently applied for an auto loan and and was approved. Now that I have looked at my credit report there are 26 inquires listed on my report. Now I know that they count as one if done within a 30 day period. Which they all are the first one was 7/27/2012 and the last one listed is 8/13/2012. I now have my new car. How do I know for certain they are being counted as one. I have done so much cleaning up on my credit report and my score should be higher. Need help

Auto inquiries within any 45 day period count as a single inquiry for the purpose of calculating your score. F&I guys will shop paper to any buyer they think might buy it, and each buyer will pull a report, so this is not uncommon.


FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k