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Trying2B850

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281 People Helped
Are hard inquiries tallied from only the report the lender is using?
I have 2 hard inquiries on TransUnion, 1 hard inquiry on Experian, 0 hard inquiries on Equifax.

Lenders pull only one report so they'll see hard inquiries just on that specific report.

However, the FICO score would be affected by all the hard inquiries.

So do I have 2 or 1 hard inquiry? ...or do I have 3 hard inquiries?

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Top Contributor
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What makes you think lenders only pull from one report?  All the ones I know always get a tri-merge report.  FICO looks at all three bureaus, and since FICO is what matters, you have 3 inquiries.  With that being said, if the inquiries were all for one item (i.e. mortgage or auto loan) and if all of them were made within the same 30 day period, then it only counts as 1 hard inquiry to FICO.  FICO doesn't punish consumers for shopping around on large-ticket items (thank goodness!).

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