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yamafx4dude

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Why aren't my inquiries being counted as one?
I shopped for a home refinance loan and each inquiry is being counted as one hit. I thought all inquiries within 30 days for the same thing are only counted as one hit?

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I shopped at 7 different mortgage places and all 7 are being counted as one on both credit reporting agencies. And yes I took a big 13 point hit. Why do they say they all count as one when thats a lie? I shopped this loan within 1 week to avoid hits and yeah they are liars and it did not count as just one hit. 

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How do you know that they are all being scored? Did you experience a big score drop? It is normal for them all to be shown on your reports. The time window does vary among scoring systems, I think fourteen days is the shortest one, but most are longer. Are you looking at your FICO scores or the scores here? Vantage may do things differently, I am not sure. It is always possible that things may be adjusted to in a little bit of time.

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