Multiple inquiries window

[vanillabean]

If a first auto inquiry takes place on November 30 and the second is on December 1, when is it a year later for FICO to no longer count this "one" inquiry?

[Anonymous]

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@Anonymous-own-fico wrote:

If a first auto inquiry takes place on November 30 and the second is on December 1, when is it a year later for FICO to no longer count this "one" inquiry?

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Very good question, since FICO only counts multiple inq's for "Rate Shopping" as one inq, and I believe there's a 30 day window for "Rate Shopping" please correct me if I am wrong.

But if I were to guess (and I am only guessing) I would say on Dec 1st the following year?

Edited to add content.

[Anonymous]

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@Anonymous-own-fico wrote:

If a first auto inquiry takes place on November 30 and the second is on December 1, when is it a year later for FICO to no longer count this "one" inquiry?

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I could be wrong, but what I thought is that the inquiries only count as one inquiry for scoring purposes, but otherwise they still count as separate inquiries. If that's the case, I'd assume each inquiry would drop off (for scoring purposes) after the 1 year mark - so if you spread 10 inquiries out within a 30 day period, they'd probably drop off one by one, but it wouldn't stop counting as the "one" for scoring purposes until the newest one hits the 1 year mark. So if you had 10 inquiries between Nov 1 and Nov 30, it would still keep giving you the hit until the last one was phased out after Nov 30th of the next year.

Then again, someone else might have more insight into the matter, that's just what it sounds like to me.

[laz98]

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@Anonymous wrote:

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@Anonymous-own-fico wrote:

If a first auto inquiry takes place on November 30 and the second is on December 1, when is it a year later for FICO to no longer count this "one" inquiry?

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I could be wrong, but what I thought is that the inquiries only count as one inquiry for scoring purposes, but otherwise they still count as separate inquiries. If that's the case, I'd assume each inquiry would drop off (for scoring purposes) after the 1 year mark - so if you spread 10 inquiries out within a 30 day period, they'd probably drop off one by one, but it wouldn't stop counting as the "one" for scoring purposes until the newest one hits the 1 year mark. So if you had 10 inquiries between Nov 1 and Nov 30, it would still keep giving you the hit until the last one was phased out after Nov 30th of the next year.

Then again, someone else might have more insight into the matter, that's just what it sounds like to me.

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+1

[Anonymous]

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@Anonymous wrote:

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@Anonymous-own-fico wrote:

If a first auto inquiry takes place on November 30 and the second is on December 1, when is it a year later for FICO to no longer count this "one" inquiry?

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I could be wrong, but what I thought is that the inquiries only count as one inquiry for scoring purposes, but otherwise they still count as separate inquiries. If that's the case, I'd assume each inquiry would drop off (for scoring purposes) after the 1 year mark - so if you spread 10 inquiries out within a 30 day period, they'd probably drop off one by one, but it wouldn't stop counting as the "one" for scoring purposes until the newest one hits the 1 year mark. So if you had 10 inquiries between Nov 1 and Nov 30, it would still keep giving you the hit until the last one was phased out after Nov 30th of the next year.

Then again, someone else might have more insight into the matter, that's just what it sounds like to me.

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I agree with you 100%, I was basing my first reply on the OP's question regarding just the two inq's, like you said  (I'll highlight your post)

I believe you are 100% correct with that statement Andy.

My first reply was just to simply answer the OP's question as to which inq would stop impacting his/her FICO score, your reply was far more comprehensive than mine, and far more informative, and I believe you are 100% correct.

Very good answer Andy.

[vanillabean]

So let's say a window of auto or mortgage inquiries would be the only inquiries that you have. So how does the general rule play out that your first inquiry doesn't count, the second does, the third doesn't, the fourth does etc? Would the case of multiple auto or mortgage inquiries, scored as one inquiry, not have any impact then?