Rose Posted March 12, 2005 Author Report Share Posted March 12, 2005 I'm going to be disputing some items, as I've told you.Recently, I bought a car. The dealership told me that they could literally sit there and pull my credit 10 times in front of me and it wouldn't hurt my score, so I shouldn't worry about them getting offers from multiple lenders. Inquiries hurting your score is a myth, he says.I pulled my credit a month later, and there are alot of inquiries on there. There's one on Experian, three on Equifax, and a whopping four on Transunion.I want to dispute these on the grounds that I only authorized one. The one I authorized--the dealership--appears on equifax. The bank I took the loan with appears on Transunion.Should I ask them to remove all but one from each report? Or should I tell Experian, that those disputes should not be appearing at all because the one I authorized appears on another bueraus report?(also, I am a little confused as to wether bumpage actually works...) Link to comment Share on other sites More sharing options...
Rose Posted March 12, 2005 Report Share Posted March 12, 2005 I'm going to be disputing some items, as I've told you.Recently, I bought a car. The dealership told me that they could literally sit there and pull my credit 10 times in front of me and it wouldn't hurt my score, so I shouldn't worry about them getting offers from multiple lenders. Inquiries hurting your score is a myth, he says.I pulled my credit a month later, and there are alot of inquiries on there. There's one on Experian, three on Equifax, and a whopping four on Transunion.I want to dispute these on the grounds that I only authorized one. The one I authorized--the dealership--appears on equifax. The bank I took the loan with appears on Transunion.Should I ask them to remove all but one from each report? Or should I tell Experian, that those disputes should not be appearing at all because the one I authorized appears on another bueraus report?(also, I am a little confused as to wether bumpage actually works...) Link to comment Share on other sites More sharing options...
divemedic Posted March 12, 2005 Report Share Posted March 12, 2005 For auto loans, all pulls done within 14 days count as one. Link to comment Share on other sites More sharing options...
divemedic Posted March 12, 2005 Report Share Posted March 12, 2005 For auto loans, all pulls done within 14 days count as one. Link to comment Share on other sites More sharing options...
score booster Posted March 13, 2005 Report Share Posted March 13, 2005 That's true with FICO at least. They figured it was wrong to penalize consumers for rate shopping. It'd be nice if they extended it to a full month like the mortgage. I don't impulse buy anything anymore and sometimes two weeks can be a pretty tight window when buying an auto. Link to comment Share on other sites More sharing options...
score booster Posted March 13, 2005 Report Share Posted March 13, 2005 That's true with FICO at least. They figured it was wrong to penalize consumers for rate shopping. It'd be nice if they extended it to a full month like the mortgage. I don't impulse buy anything anymore and sometimes two weeks can be a pretty tight window when buying an auto. Link to comment Share on other sites More sharing options...
Rose Posted March 14, 2005 Author Report Share Posted March 14, 2005 Well thank you! I guess I'm not so freaked out about that now. They were all on the same day--so now that's all good. And I have an auto loan building my credit Link to comment Share on other sites More sharing options...
Rose Posted March 14, 2005 Author Report Share Posted March 14, 2005 Well thank you! I guess I'm not so freaked out about that now. They were all on the same day--so now that's all good. And I have an auto loan building my credit Link to comment Share on other sites More sharing options...
Ahntara Posted March 15, 2005 Report Share Posted March 15, 2005 Be wary of taking credit advice from a car salesman.On the other hand, be wary of taking ANY advice from a car salesman! Link to comment Share on other sites More sharing options...
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