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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.
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.
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