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When will hard iquiries combine?
I recently went shopping for a car and tried to get a loan through the dealer (this week actually).I just updated my CK and it had 9 inquiries! I would assume that the "many inquiries in 14 days" rule applies, but when will they be grouped and will CK show that?
Asked by
IDB87
1 year ago
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Each inquiry caused by applying for a new line of credit will show individually as another additional inquiry. The fact that you made several inquiries in a short period gets taken into account when calculating your score but there is no consolidation of inquiries. Each inquiry will show on your credit report and have a negative effect. It is best to avoid applying for several loans to see which deal is best, instead ask what interest rates are available and with what credit score then only apply for the loan that offers the best rates up front within your credit score range. Many times loan agents will try to push you into just completing a credit app to see what you qualify for, this is not to your benefit.
bprice 1 year ago