Credit
How do rate-shopping credit inquiries work?
Quick Answer
For mortgages, auto loans, and student loans, multiple hard inquiries within a 14–45 day window count as a single inquiry on FICO scoring models. This rate-shopping window lets you compare lenders without each application stacking score damage.
Warren Team
Updated April 26, 2026
38
Warren Team
Updated April 26, 2026
38
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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