WE bought a truck in April the dealer did 5 pulls and they ARE on my transunion, I have called and they say I have to go direct and that it should only be listed as one but it's listed at 5, I just checked again today and they are all there. My numbers dropped and one of the reasons is too many inquires. Do you have any ideas how I can get these off? Thanks so much,
As mentioned before, they will all show. They should show, as they were made - but they should be coded "auto lending" and therefore should only have the net effect of 1 hard pull (for all of them combined) when FICO scores you. The key is that they were coded properly.
If you pull a full report, you can see what each is coded as. For the ones that are coded improperly, you can dispute it to have it coded correctly. Not sure what else is going on in your credit life, but if 5 pulls, where I'm sure at least a few of them are coded as "auto lending" pulls already, has a great effect on your score, there must be many, many more pulls on your reports in the last year. I have 27-31 on each of my reports, and am not losing any points for it on any of them. (I bought a car in March, and got over two dozen pulls in the process).
