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MercyMe wrote:
Tuscani, I am so very glad that you didn't fall off a bridge. Hope all is well with all of yours.just me
An inquiry indicates when a business, usually a lender, has checked your credit. The inquiries listed here are the number of times in the 12 months since the date of this report that a lender has checked your credit at TransUnion. These inquiries appear because you applied for credit with the listed company. Inquiries associated with applying for new credit are the only kind of inquiry that may hurt your FICO® score.
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.
Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!
Noah_Bodie wrote:
Well, BofA recoded their non-PP INQs from hard to soft. Guess I'll watch for a settlement check in the mail, then sue.
fused111 wrote:Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!
Agreed! I share the same argument, opening new banks accounts is not an app for new credit.
Noah_Bodie wrote:
fused111 wrote:Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!
I don't see how they can. Opening a checking or savings in no way can be considered a request for credit. The FCRA is more than a little vague in many areas, and this is one of them.
fused111 wrote:Here's my question, do banks have PP to hard you for opening a checking (w/o overdraft protection) or savings account? If they do, I have real issues with it!