Inquiries

Inquiries

De-duplication – allows individual to rate shop.
3 Types of accounts that are de-duped.
As long as the inquiry is the same industry

You are allowed to rate shop for any of the industries below without being penalized.

1) Auto
2) Mortagage
3) Student loan

DOES NOT APPLY FOR CREDIT CARDS.

-De-duplication allows for the individual to rate shop.

FICO scoring is going to give you 45 days. They’re going to treat all these inquiries as 1 inquiry.
By law, these inquiries need to be shown on your credit report.