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Credit report dedupe

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FICOdawg
Frequent Contributor

Credit report dedupe

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.

FICO8 scores 7/19/25
TU: 773
EX: 767
EQ: 772
1/12 & 0/24
Message 1 of 5
4 REPLIES 4
Patient957
Established Contributor

Re: Credit report dedupe


@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?   


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.

 

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Thomas_Thumb
Senior Contributor

Re: Credit report dedupe

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

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 3 of 5
sherri54labrecque
New Visitor

Re: Credit report dedupe

Thanks for the info I will try to figure it out for more.
Message 4 of 5
AndySoCal
Senior Contributor

Re: Credit report dedupe

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

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