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Auto Credit inquiries not coming up correctly

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Travis-84
Regular Contributor

Auto Credit inquiries not coming up correctly

I appield for an auto loan on 10/11/10.

 

I'm looking at my Equifax report (pulled through equifax.com, and the report itself says there are 6 inquries. 

 

They are:

capital one 5/9/10

Citi 6/13/10

 

GE Federal Credit union 10/11/10

Huntington National Bank 10/11/10

US Bank 10/11/10

Superior Hyundai 10/11/10

 

The last 4 were all for the same auto loan.  Do I just write to experian and dispute them to have them reclassified?  Can something this simple be fixed by a phone call?  If I can get this fixed, I'll be at 3 inquiries, which should hlep my score. 

Message 1 of 3
2 REPLIES 2
IOBA
Senior Contributor

Re: Auto Credit inquiries not coming up correctly

The way I understand it, and I could be wrong, is that the last 4 inquiries will be rated as 1 inquiry.   So asking for it to be changed/removed will not help your FICO score.

Message 2 of 3
Travis-84
Regular Contributor

Re: Auto Credit inquiries not coming up correctly

I bought my myFICO score today, and here is what it looks like.

 

If it is 3 inquries, then I'm not worried, its a bit on the high side, but I won't be applying for anything soon, I just don't want 6 inquiries on my report.

http://img259.imageshack.us/img259/5953/capturerq.jpg

 

 

 

 

Message 3 of 3
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