topic Re: Question about inquirys in General Credit Topics

Question about inquirys

Anonymous — Sun, 24 Mar 2019 18:53:14 GMT

So on my signature line I have 7 Experian hps but 3 of them were on the same day when getting my auto loan and I've heard if multiple inquirys made on the same day for different types of loans like home and auto they will be looked at as 1 is this true? When I look at my score on my Experian app my inquirys say 7 but when I look at my score on discovers website I only have 4 what do you guys think thank you.

Re: Question about inquirys

Anonymous — Mon, 25 Mar 2019 00:26:39 GMT

@Anonymous wrote:
So on my signature line I have 7 Experian hps but 3 of them were on the same day when getting my auto loan and I've heard if multiple inquirys made on the same day for different types of loans like home and auto they will be looked at as 1 is this true? When I look at my score on my Experian app my inquirys say 7 but when I look at my score on discovers website I only have 4 what do you guys think thank you.

FICO allows for rate shopping. Those inquiries should be combined into 1 for scoring purposes but they will not be removed from your report because they were combined for scoring purposes. You'll still have 7 inquiries. Inquiries become unscorable after 1 year but they will remain on your reports for 2 years.

I don't use the free Disco Scorecard but if I had to guess then maybe it is slow to update? How long ago were those inquiries made?

Re: Question about inquirys

Anonymous — Mon, 25 Mar 2019 01:09:34 GMT

They were made about 3 months ago I also have premium credit works with Experian so it updates daily

Re: Question about inquirys

Anonymous — Mon, 25 Mar 2019 02:38:56 GMT

Do you have a credit card with Discover?

Re: Question about inquirys

Anonymous — Mon, 25 Mar 2019 03:27:41 GMT

No I don't it's a free service anyone can use