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Inquiries and shopping periods according to Equifax

How credit checks within a particular time period affect the score

| By Greg Fisher

Equifax says:

Equifax Public Relations makes every effort to get back to reporters on the same day he or she calls and to arrange interviews that accommodate deadlines.

Equifax can be both a source and a resource for reporters seeking information in the following areas of expertise:

  • Information solutions
  • Credit Scoring
  • Consumer credit information
  • Credit marketing
  • Predictive behavioral modeling

Date: 06:37 AM, Friday, 6/13/2008
To: Jennifer Costello, Equifax; Barry Paperno, Fair Isaac
From: creditscoring.com
Subject: FICO score version on your web site
Cc: David Rubinger, Equifax; Craig Watts, Fair Isaac

Fair Isaac states: "In addition, the score looks on your credit report for auto or mortgage inquiries older than 30 days. If it finds some, it counts all those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span."

http://www.myfico.com/CreditEducation/CreditInquiries.aspx

What version is provided at myFICO.com?

Equifax states, "But note that multiple inquiries within a two-week period are treated as a single inquiry."

https://www.econsumer.equifax.com/otc...

What version is provided at Equifax.com?


Date: 01:11 PM, Saturday, 6/14/2008
To: Jennifer Costello, Equifax; Barry Paperno, Fair Isaac
From: creditscoring.com
Subject: Re: FICO score version on your web site, II
Cc: David Rubinger, Equifax; Craig Watts, Fair Isaac

Please reply.


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