topic Re: 4 Hard pulls? in Auto Loans

4 Hard pulls?

Viper786 — Tue, 22 May 2012 04:54:35 GMT

I just got a car today and decided to update my USAA CMS 3-1 and noticed that I have 4 hard pulls on TU and one on EQ. Three of my TU pulls are from Chase... anyway I can dispute inquiries from the same lender in the same day??

Re: 4 Hard pulls?

pipeguy — Tue, 22 May 2012 05:02:01 GMT

@Viper786 wrote:
I just got a car today and decided to update my USAA CMS 3-1 and noticed that I have 4 hard pulls on TU and one on EQ. Three of my TU pulls are from Chase... anyway I can dispute inquiries from the same lender in the same day??

If the pulls are all auto-loan related they just could as one as far as scoring. I don't know why chase would hard pull the same credit report 3 times on the same CB (TU), they shouldn't, but they might be willing to delete two of those three on request. You can dispute the 3 chase pulls with TU as duplicate listing, but I give you a 1 in 4 chance of getting TU to remove the extra 2. Call chase and ask them to correct the record, but keep in mind that these pulls are not really hurting your scoring since they are all auto loan inquiries within 30 days.

Re: 4 Hard pulls?

Viper786 — Tue, 22 May 2012 17:12:30 GMT

I just noticed some more hard pulls on my reports. Only 1 says automotive, but they were all pulled by my dealer. Will they still be counted as 1? Also why does Chase have a different address in one of the inquiries??

BANK OF AMERICA 800-215-6195 9000 SOUTHSIDE BLVD BLDG JACKSONVILLE, FL 32256
	Experian®	Equifax®	TransUnion®

Business Name	BANK OF AMERICA
Inquiry Date	5/21/2012
Business Type	All Banks - non specific

CHASE No Phone Provided 100 W BIG BEAVER FLR 3, STE 390 TROY, MI 48084
	Experian®	Equifax®	TransUnion®

Business Name			CHASE
Inquiry Date			5/21/2012
Business Type			Banks and S&Ls

CHASE No Phone Provided 1800 S. NAPERVILLE WHEATON, IL 60187
	Experian®	Equifax®	TransUnion®

Business Name			CHASE
Inquiry Date			5/21/2012
Business Type			Finance other than personal

CHASE No Phone Provided 1800 S. NAPERVILLE WHEATON, IL 60187
	Experian®	Equifax®	TransUnion®

Business Name			CHASE
Inquiry Date			5/21/2012
Business Type			Finance other than personal

HUNTINGTON NATIONAL 248-244-7860 16673 E 15 MILE ROAD INDIRECT BILLING (CLI) - MI CLINTON TOWNSHIP, MI 48035
	Experian®	Equifax®	TransUnion®

Business Name		HUNTINGTON NATIONAL
Inquiry Date		5/21/2012
Business Type		All Banks

SUBURBAN IMP 248-939-2657 SUBURBAN IMPORTS F 37911 GRAND RIVER FARMINGTON HIL, MI 48335
	Experian®	Equifax®	TransUnion®

Business Name			SUBURBAN IMP
Inquiry Date			5/21/2012
Business Type			Automotive

Re: 4 Hard pulls?

pipeguy — Tue, 22 May 2012 17:19:47 GMT

Auto Loans and Mortgage inquires tend to be "shopped" and result in a lot of pulls. As far as FICO scoring, 1 or 20 auto loan pulls within a week (I've heard some say a month) are treated as 1 inquiry.

Re: 4 Hard pulls?

Viper786 — Tue, 22 May 2012 17:21:44 GMT

the thing i dont understand is why Chase 3 times...

Re: 4 Hard pulls?

pipeguy — Tue, 22 May 2012 19:33:56 GMT

@Viper786 wrote:
the thing i dont understand is why Chase 3 times...

That does seem a bit strange - if it matters to you you can probably dispute the extra pulls as "duplicates" with the CRA's (same day, same lender) with a pretty decent chance of getting the extra "chase pulls" dropped. But then again, with eOscar no one really looks into things as its all automated. In either case it won't hurt your scoring.