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mmmmmm wrote:

It makes perfect sense by carriers do a HP, I fail to understand how others fail to understand.

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The issue isn't wether they can do a INQ on your CR but wether it should count against you like applying for a loan.

It's easy to understand why people would get upset about this if they were deined say a car loan because they just moved to a new area and had to get cable, power, new apartment , cell phone or it took their FICO score out of range for the interest rates they wanted.