Re: Credit Inquiries Merging
10-07-2012 08:59 AM
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.
2011 - Debts paid
2012 - Rebuilding started - EQ myFICO 636
2013 - Student Loan, 3 CC, auto loan - EQ myFICO 663