Regular Contributor
apandabear
Posts: 186
Registered: ‎03-15-2012
Re: Credit Inquiries Merging

They won't merge into one inquiry. In FICO scoring models, they are scored as one inquiry, as long as they are coded the same (for auto loan purposes) and within a 45-day period.

 

Everyone will see 2 inquiries, including you and any creditors that see your report. But when it comes to your FICO score, the two inquiries will only be counted once.

Not currently watching my FICO or FAKO scores
Nov 2012 FICO - EQ 646 (myFICO SW), 655 (Lender Pull)

Left the garden in Nov 2012 to buy a Prius c and a new living room set!
Back in the garden until it's time to buy a house... 2014?