Too many inquiries during a car search. What can I do?

[Anonymous]

I intended on quickly getting a vehicle after discharge. My family and I were in need and a car was necessary for me to get back and forth to work. Multiple dealers ran my credit, multiple times. I signed something, but I was unaware of all the inquiries they would perform. Can I dispute these inquiries? Do I need to just endure having so many for the next 25 months?

[blindambition]

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@Anonymous wrote:
I intended on quickly getting a vehicle after discharge. My family and I were in need and a car was necessary for me to get back and forth to work. Multiple dealers ran my credit, multiple times. I signed something, but I was unaware of all the inquiries they would perform. Can I dispute these inquiries? Do I need to just endure having so many for the next 25 months?

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You can’t dispute. They are legitimate credit pulls. However, they really only hurt scores for 12 months. Also, they will be grouped and considered all together when shopping for a car.

[Medic981]

When you are rate shopping for either a car or home loan, multiple HP in a 30-45 day period are typically scored as a single HP with FICO scoring. If you are rejected by a CC for multiple inquiries, on a manual review this rate shopping should be self-evident by the UW.