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Loan Inquiry Question

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st3v3n
Established Member

Loan Inquiry Question

Hello, I can't remember how many days of  car shopping can be consider as one inquiry.

Is it a week? 


Starting Score: TU: 630 EX: 646
Current Score: TU:630 EX: 646
Goal Score: 720


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Lel
Moderator Emeritus

Re: Loan Inquiry Question

It's at least two weeks, but may be longer, depending on the FICO version that is pulled.

 

Older version of FICO scores, including the TU 98 that is offered here and the Experian v2 that is widely used but not readily available, allow for a 14 day window.  Newer version of FICO, including TU 04 (which is probably more widely used than TU 98) and the EQ score you get here (Beacon 5.0) allow for a 45 day window.

 

 

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