Credit scoring models also take into account when a consumer is shopping for the best rate on a student loan, auto loan, or mortgage and do not penalize them for this comparison shopping.
For these types of loans, scoring models generally count multiple inquiries as one inquiry if they occur within a reasonably short period of time.
In general, credit inquiries for the same type of loan made within a 14-day period will be treated as no more than a single inquiry.
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