贷款买车对信用记录的影响多久才能消除

athenecsy

昨天贷款买了辆车，dealer同时给六七个银行递了贷款申请，今天发现credit karma发了邮件过来说昨天增加了6个HP。现在感觉很惶恐，不知道这么集中的HP多久才能消除影响，我是不是最近一两年都不能申请信用卡了？这种情况应该如何解决？谢谢各位大神！

我为学狂一号

通常HP两年一clear

买车的不太懂

JohnnyL

记得论坛里说买车的HP，14天内的算1次。

athenecsy

JohnnyL 发表于 2014-10-4 15:38
记得论坛里说买车的HP，14天内的算1次。

真的吗？这样的话就最好了

usnma

athenecsy 发表于 2014-10-4 17:50
真的吗？这样的话就最好了

是的，官方解释：

Does the formula treat all credit inquiries the same?No. Research has indicated that the FICO score is more predictive when it treats loans that commonly involve rate-shopping, such as mortgage, auto and student loans, in a different way. For these types of loans, the FICO score ignores inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won't affect your score while you're rate shopping. In addition, the score looks on your credit report for rate-shopping inquiries older than 30 days. If it finds some, it counts those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.

athenecsy

usnma 发表于 2014-10-4 16:01
是的，官方解释：

Does the formula treat all credit inquiries the same?No. Research has indicated  ...

谢谢谢谢！非常感谢！！！！！！

jaywangcn

同一类型的买房或者买车都是算一个的

跑跑卡丁车

我买丰田，他们自己公司的贷款，被pull三家

Moses_Huang

跟我一样但有些不显示auto loan就很讨厌

Zzzzzzach

每一次你签字同意他们查你ssn的时候,就会产生HP,没有合并这一说,全都会显示在你的信用报告上,会跟其他申请信用卡的HP一样保留两年.每个银行会同时调取一家到三家的信用报告.如果你查你的信用报告,不是在CK这种网站,而是他们三家官方出的报告,每一次的HP都在那里,绝对不会合并HP.

据算是同一个dealer,你第二天再去,他们还是会再调一次你的信用报告,头一天的作废.根据我的经验是这样的.