Quote:
Originally Posted by OCfromOC
All of the newer scoring models are smart enough to know that you’re out shopping for credit rates and will compile all of the hard pulls into 1.
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models mean nothing if the lender's back end count inqs. amex, chase, citi, penfed esp all count total hp's. bottom line is agree with the dealer on a single and have them remove anything that was out of the agree zone. some dealers spray 8+ inqs, I would be shooting someone if that happens to my file but everyone is different. I worked hard for perfect credit, aim to keep it that way