hi all. i applied for a VISA and Auto Loan, with a credit union. I called to find the status, and was dismayed to learn that they had MULTIPLE enquires in my file, she said I have applied for 2 car loans and 2 visa cards, and later apologized said, its one and the same, the computer has dulpicated it 2 times. she assured that making multiple enquires within the same day doesnt affect a credit history - is it true ? or am i in unnecessary trouble ?? worried... ram...
She is lying. Every time someone pulls a credit report, it is a valid inquiry which does lower your score.