Re: 2 INQs from apartment complex, who do I send n... - Page 2 - myFICO® Forums

Anonymous · ‎03-17-2008

no, they did two HARD Inquiries.

I said previously all my apt apps were done through soft inqs.

Anonymous · ‎03-17-2008

The apt complex has nothing to do with actually performing the INQs - contact SafeRent - they are the ones who fouled it up.

Anonymous · ‎03-17-2008

thank you Lady S

Anonymous · ‎03-17-2008

As far as scoreing is concerned - it will only be one FICO hit-

bacause of deduplication from the same puller-

acissej323 wrote:

thank you Lady S

Anonymous · ‎03-17-2008

From ex, concerning inqs:

Inquiries listed here are requests by lenders to view your credit report because you have applied for credit with them. Having many inquiries can hurt your FICO® score, because that might be a sign that you are in a financial situation where you need credit. A single inquiry, however, will have little impact on your score.

Three other kinds of inquiries do not affect your FICO® score and are not listed here. One occurs when lenders search for consumers that might qualify for pre-approved credit. Another occurs when you request to view your own credit report, such as when ordering products on myFICO. Other inquiries that do not affect your score are any inquiries used for purposes other than granting credit, such as an inquiry requested by a landlord. Note: In general, inquiries contribute to less than 10% of your FICO® score.

Anonymous · ‎03-17-2008

meJeff:

Three other kinds of inquiries do not affect your FICO® score and are not listed here. One occurs when lenders search for consumers that might qualify for pre-approved credit. Another occurs when you request to view your own credit report, such as when ordering products on myFICO. Other inquiries that do not affect your score are any inquiries used for purposes other than granting credit, such as an inquiry requested by a landlord. Note: In general, inquiries contribute to less than 10% of your FICO® score.

But I think that they are talking about soft inquiries, not hard inquiries.

Anonymous · ‎03-17-2008

Your landlord is granting you credit. They agree to provide you a product for which you agree to pay in the future. This is no different that an electric company providing you with electricity, which you pay for after you have received it.

Anonymous · ‎03-17-2008

cowpaddi, whether they are "granting me credit" doesn't give them the right for TWO hard inuiries in two days.

I hope Timothy is right( ofcourse he is

) because myfico says my inquiries are a negatvie factor- when theres only 3! two of them being from this.

And I dont see how only 3 inquiries in the past two years is that bad... but who understands Fico scoring anyway...

Junejer · ‎03-17-2008

@Anonymous wrote:
cowpaddi, whether they are "granting me credit" doesn't give them the right for TWO hard inuiries in two days.

I hope Timothy is right( ofcourse he is ) because myfico says my inquiries are a negatvie factor- when theres only 3! two of them being from this.

And I dont see how only 3 inquiries in the past two years is that bad... but who understands Fico scoring anyway...

I hope that Timothy is correct too, because they are neither a mortgage lender or an auto dealer/lender.