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Old May 23, 2012 | 6:40 pm
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DC777Fan
10 Years on Site
 
Join Date: Aug 2011
Location: ECP
Programs: DL Diamond
Posts: 1,660
Are all inquiries created equal?

On my EX report (which everyone pulls here), I have several non-CC inquiries:

2 hard pulls for housing rental
2 hard pulls for credit card processor acceptance at business (found a cheaper service)
1 hard pull for Verizon (fios install)

That makes up a total of 5 out of 21 inquiries over the past 2 years. 8 of the 21 will fall off by New Years including 0 of the aforementioned 5. EX "Plus" score (paid subscription) is 774 and credit history is 8 years old with a single minor blemish.

Do those inquiries count less in the score because they're not being used for lending purposes? Do banks care on a recon call (if you get denied for too many inquires) that some of the inquiries were not lending related? Or do they factor out those types of inquiries to begin with?

TIA
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