Credit report dedupe

[FICOdawg]

My Experrian report shows 3 hard pulls all from same day last December as dealership blasted me to three banks and one of the HP resulted in my car loan.    Is this a mistake or do they show the HPs but don't ding you points for the 3 pulls as part of deduping?   

It ultimately won't matter as no credit apps will be taken until after these age over 12 months but just curious.

[Patient957]

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@FICOdawg wrote:

My Experrian report shows 3 hard pulls all from same day last December as dealership blasted me to three banks and one of the HP resulted in my car loan.    Is this a mistake or do they show the HPs but don't ding you points for the 3 pulls as part of deduping?   

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Deduping happens on the scoring side, not the reporting side.  So all the HPs will show on your report, but FICO will treat them as one if they qualify for deduping, which in your case they should.

[Thomas_Thumb]

Yeppers. They will be grouped to count as one unless they were coded incorrectly.

[sherri54labrecque]

Thanks for the info I will try to figure it out for more.

[AndySoCal]

Here is how inquiries for auto loans are treated by the FICO.

https://www.experian.com/blogs/ask-experian/multiple-inquiries-when-shopping-for-an-car-loan/ 

Here is another link about inquiries

https://www.experian.com/blogs/ask-experian/do-multiple-loan-inquiries-affect-your-credit-score/ 

Hope this helps