Pete838 wrote:Every lender that pulls your credit has access to the raw data, and can score it however they decide to score it. If they are using the FICO model FICO disregards any auto loan inquiries made during the 30 days before scoring, and mortgage inquiries 14 days before scoring. The lender can choose, though, to score it however they wish and extend credit (or not extend credit) based on their own determination.
Obviously they all appear on the report; federal law dictates every inquiry is shown on your report.
The question relates to how the FICO model calculates your score. If it bundles multiple inquires over 14/30 days, six months into the future.