Regular Contributor
Posts: 200
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.

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695