 TITLE: Does a Declined Loan Appear on Your Credit Report? CONTENT: Do FICO® and VantageScore Consider Hard Inquiries Differently?\n--------------------------------------------------------------\nOf all the risk factors in both credit scoring systems, credit inquiries play the smallest role. For example, the FICO® Score☉ model counts inquiries as just one part of a category worth no more than 10% of your score. In VantageScore's credit scoring models, they are the \"least influential\" of all scoring metrics.\nSince rate-shopping is expected, both models take steps to account for it:\n*   **FICO®** ignores auto, student loan or mortgage inquiries that are less than 30 days old. After 30 days, those inquiries are considered in score calculations but are viewed together as one inquiry for scoring purposes if they appear on your report within the same 45-day period.\n*   **VantageScore** counts inquiries that occur within 14 days of one another as a single inquiry.\nBoth scoring models ignore any inquiries that are older than 12 months. Soft inquiries are never considered when calculating a credit score. END