Today, when a dealership runs a credit inquiry for financing, they run it multiple times with different banks to find the best rate. These inquiries are hard inquiries and stay on your credit report for 2 years. Sometimes it will only be counted as one, but not always. If your credit is being checked for new car financing or a credit card, these heart inquiries should not stay on your credit report for 2 years, not even one year, not even 6 months.
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