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Mortgage Lenders usually do not care about inquiries more than 90 days old. One thing they look for is an indication that you have several applications going, the conclusion they will come to if you have three or four, other than department store inquiries.

Lenders may run another report a day ot two before funding and if they see and inquiry from Jones Ford, you'd better be able to prove that you did not buy a car! If you did, you'd better be able to qualify, becauase your ratios will be higher with the new payment.
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