@Anonymous wrote:
Hey creditchild, thanks for the warning and the suggestion to keep an eye on my scores! I don't currently subscribe to any credit monitoring or score watch products, but I did plan to buy my one-time EQ/TU scores again sometime soon to see how they'll have changed from all of the inqs.
All of my apps/inqs were done within 6 days and the last inq was done two days ago...when I got my car from Toyota at 0% for 60 months, with $0 down! (Yes, I made sure to buy gap insurance and probably paid more for it than I should have.)
Anyway, I had applied at 5 different places and got 4 pre-approvals before going to the dealership. When should I check my scores again and should I still be concerned about all of the inqs?
Buying your scores/subscripbing to scorewatch is throwing money away- unless you are pre-ambling to a house purchase and are trying to suck out the best possible FICO.
1- you are not getting your auto enhanced.
2- Inqs damage fall off after a year
3- Unless you are trying to secure major new credit there is no reason to be concerned for your score- yearly looks at your report different story. Probable victim of identity theft engage scorewatch. Honestly you do not need it.
Otherwise take all the score buying, service subscribing money you are going to spend and pay a credit card balance off extra
