cancel
Showing results for 
Search instead for 
Did you mean: 

Inquiry question

tag
Anonymous
Not applicable

Inquiry question

My 3B report from 12/3/16 says no inquiries. I do have newer ones - Chase pulled TU and EX on 1/9/17 for a new card I applied for and 1 for EQ for Frontpoint (they said it was a SP).   CK shows 6 from TU (car shopping in Aug '15) and 3 for EX (2 from Aug '15 car, and then the new  Frontpoint). CS has the 1 for the new Chase.   My concern is the TU at 6.  Since they were from 17 months ago and the same day, does this actually read 6 inquiries (ie a bad thing) if/when that report is pulled or does it appear as one for the rate shopping it was?    I am confused as they dont show up at all on my 3B report.  

 

Thanks for the help.

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Inquiry question

Multiple inquiries received on the same day or even over the span of 2 weeks from a dealership that are coded correctly will be viewed/scored as a single inquiry, so definitely don't sweat the 6 on TU that fall into that category.

Message 2 of 4
JLK93
Established Contributor

Re: Inquiry question


@Anonymous wrote:

My 3B report from 12/3/16 says no inquiries.  My concern is the TU at 6.  I am confused as they dont show up at all on my 3B report.  


Your 3B report only shows inquiries from the last 12 months. FICO only scores inquiries less than 12 months old. The inquiries stay on your report for 2 years, but they are irrelevant after 12 months.

Message 3 of 4
Anonymous
Not applicable

Re: Inquiry question

Thanks for clearing that up!  Appreciate the replies.

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.