2 hard pulls

[babbles]

I will have 2 hard inquires within a 5 day period with USAA; personal  and  auto (both with equifax).  Does FICO differentiate between the two?  Will this be seperate inquiries or count as one?

[llecs]

If the personal inquiry was for anything other than an inquiry for a car, then FICO will treat it as two different inquiries.

[bakalao2k]

I received two hard pulls on the same day when I bought my car, one from the dealer and one from the finance company.  oh well. 

[pizzadude]

It all depends on how the inquiries are coded ~ most dealers who pull your credit will record as Auto ~ with banks and CUs It will vary.