PPT Slide

Score Date

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14 day de-dupe

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30 day buffer

12 months

The credit bureau risk score models observe inquiries over a 12-month period. Auto- and mortgage-related inquiries that occur 30 days prior to scoring have no effect on the score. Outside this 30-day period, auto- and mortgage-related inquiries that occur within any 14-day period are treated as a single inquiry.

Inquiry de-dupe logic

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