topic Re: More GE INQ's removed in Credit Cards

More GE INQ's removed

corymcd88 — Sun, 08 Apr 2012 00:53:23 GMT

Three more INQ were removed from my TU report. All from Jan 2012. Called TU and they said that they were told to remove them two from GE and one from Bank Of America. I had 14 INQ now only 6, I opened a lot of GE accounts and only one remain on my report as of 07 Apr 2012. I did no disputes from any of the INQ on my TU report. They all were not all GE.

Re: More GE INQ's removed

ctb89 — Sun, 08 Apr 2012 01:59:26 GMT

How strange. I hope the same thing happens to my TU report lol.

Re: More GE INQ's removed

Creditaddict — Sun, 08 Apr 2012 02:06:44 GMT

I just pulled new reports with my monitoring and no INQ gone:(

Do I need to pull a Fico report? I wouldn't think so.

Re: More GE INQ's removed

Smug — Sun, 08 Apr 2012 02:13:07 GMT

Two months ago they removed 70 inqs from me for no reason

Re: More GE INQ's removed

bichonmom — Sun, 08 Apr 2012 02:41:48 GMT

Smug wrote:
Two months ago they removed 70 inqs from me for no reason

Smug, you had 70 inq?! Serously?

Re: More GE INQ's removed

ctb89 — Sun, 08 Apr 2012 03:33:46 GMT

Creditaddict wrote:
I just pulled new reports with my monitoring and no INQ gone:(
Do I need to pull a Fico report? I wouldn't think so.

All reports are the same. A FICO score is just a numerical quantification of the data contained in your report. If your CMS allows daily pulls, and your report is current, then no other service including myFICO will show any differences.

Re: More GE INQ's removed

ctb89 — Sun, 08 Apr 2012 03:47:26 GMT

Smug wrote:
Two months ago they removed 70 inqs from me for no reason

Please explain this.

Re: More GE INQ's removed

Smug — Sun, 08 Apr 2012 11:50:17 GMT

bichonmom wrote:
Smug wrote:
Two months ago they removed 70 inqs from me for no reason
Smug, you had 70 inq?! Serously?

Typo lol on my iPad , lost 7 for no reason , they just started coming off about 2 or 3 a week for a few weeks, they were not due to come off at all and not TRYing to get them off *wink*

Re: More GE INQ's removed

drkaje — Sun, 08 Apr 2012 11:59:39 GMT

That's probably good score-wise but probably won't be very useful in cases where a manual review is done.

Re: More GE INQ's removed

LS2982 — Sun, 08 Apr 2012 12:17:57 GMT

TU is just something else about INQ's! I highly doubt the OC said remove them becausae they would go from EX/EQ too.

Re: More GE INQ's removed

drkaje — Sun, 08 Apr 2012 12:24:06 GMT

LS2982 wrote:
TU is just something else about INQ's! I highly doubt the OC said remove them becausae they would go from EX/EQ too.

Aside from CK, I really don't monitor TU. Can't see a point to monitoring 1 or 2 inquiries.

Re: More GE INQ's removed

LS2982 — Sun, 08 Apr 2012 12:26:03 GMT

drkaje wrote:
LS2982 wrote:
TU is just something else about INQ's! I highly doubt the OC said remove them becausae they would go from EX/EQ too.
Aside from CK, I really don't monitor TU. Can't see a point to monitoring 1 or 2 inquiries.

I have to monitor ALL of my reports, its an obsession :smileyvery-happy:

Re: More GE INQ's removed

clocktick — Sun, 08 Apr 2012 13:38:08 GMT

I had a credit union one removed for some reason I noticed this week. Weird!

drkaje wrote:
That's probably good score-wise but probably won't be very useful in cases where a manual review is done.

How would anyone know they were there if they're now gone?

Re: More GE INQ's removed

corymcd88 — Sun, 08 Apr 2012 13:20:09 GMT

Smug wrote:
bichonmom wrote:
Smug wrote:
Two months ago they removed 70 inqs from me for no reason
Smug, you had 70 inq?! Serously?

Typo lol on my iPad , lost 7 for no reason , they just started coming off about 2 or 3 a week for a few weeks, they were not due to come off at all and not TRYing to get them off *wink*

That is the same thing that happened to me, im not conplaning.

Re: More GE INQ's removed

corymcd88 — Sun, 08 Apr 2012 13:21:41 GMT

LS2982 wrote:
drkaje wrote:
LS2982 wrote:
TU is just something else about INQ's! I highly doubt the OC said remove them becausae they would go from EX/EQ too.
Aside from CK, I really don't monitor TU. Can't see a point to monitoring 1 or 2 inquiries.
I have to monitor ALL of my reports, its an obsession :smileyvery-happy:

Me too, but im also an id theft person too.

Re: More GE INQ's removed

drkaje — Sun, 08 Apr 2012 13:27:18 GMT

clocktick wrote:
I had a credit union one removed for some reason I notice this week. Weird!

drkaje wrote:
That's probably good score-wise but probably won't be very useful in cases where a manual review is done.
How would anyone know they were there if they're now gone?

I'm terrible at math but there are times things just don't add up. I mean really; if you reviewed someone's report and saw 15 new accounts but no inquiries, what would be the first thing that came to mind? :) Is it even remotely likely 15 companies extended credit without pulling a report?

I'm not against doing everything possible to look presentable but think we sometimes have unrealistic expectations. Best example I can think of is plus-sized people in spandex, no one is fooled. :)

Re: More GE INQ's removed

LS2982 — Sun, 08 Apr 2012 13:46:21 GMT

drkaje wrote:
clocktick wrote:
I had a credit union one removed for some reason I notice this week. Weird!

drkaje wrote:
That's probably good score-wise but probably won't be very useful in cases where a manual review is done.
How would anyone know they were there if they're now gone?

I'm terrible at math but there are times things just don't add up. I mean really; if you reviewed someone's report and saw 15 new accounts but no inquiries, what would be the first thing that came to mind? :) Is it even remotely likely 15 companies extended credit without pulling a report?

I'm not against doing everything possible to look presentable but think we sometimes have unrealistic expectations. Best example I can think of is plus-sized people in spandex, no one is fooled. :)

Thats just wrong :smileyvery-happy:

Re: More GE INQ's removed

drkaje — Sun, 08 Apr 2012 14:45:38 GMT

@LS,

I was just trying to come up with a visual example. No offense was inteneded. :)

Re: More GE INQ's removed

ctb89 — Sun, 08 Apr 2012 14:50:07 GMT

drkaje wrote:
clocktick wrote:
I had a credit union one removed for some reason I notice this week. Weird!

drkaje wrote:
That's probably good score-wise but probably won't be very useful in cases where a manual review is done.
How would anyone know they were there if they're now gone?

I'm terrible at math but there are times things just don't add up. I mean really; if you reviewed someone's report and saw 15 new accounts but no inquiries, what would be the first thing that came to mind? :) Is it even remotely likely 15 companies extended credit without pulling a report?

I'm not against doing everything possible to look presentable but think we sometimes have unrealistic expectations. Best example I can think of is plus-sized people in spandex, no one is fooled. :)

Or they could have pulled other bureaus...I doubt you will find a credit analyst who will really give it much thought.

Re: More GE INQ's removed

chan85 — Sun, 08 Apr 2012 14:55:23 GMT

ctb89 wrote:
drkaje wrote:
clocktick wrote:
I had a credit union one removed for some reason I notice this week. Weird!

drkaje wrote:
That's probably good score-wise but probably won't be very useful in cases where a manual review is done.
How would anyone know they were there if they're now gone?

I'm terrible at math but there are times things just don't add up. I mean really; if you reviewed someone's report and saw 15 new accounts but no inquiries, what would be the first thing that came to mind? :) Is it even remotely likely 15 companies extended credit without pulling a report?

I'm not against doing everything possible to look presentable but think we sometimes have unrealistic expectations. Best example I can think of is plus-sized people in spandex, no one is fooled. :)
Or they could have pulled other bureaus...I doubt you will find a credit analyst who will really give it much thought.

umm i work for BOA and thats exactly what they do- give it thought... if you have a bunch of new cards and they are doing manual review, they will be concerned about all those new accounts. everytime i pull my credit, the feedback that's given is "you have too many inqs and creditors may see this as high risk because you are desperate for credit". so i truly believe in a manul review, they will see the exact same thing. its a risk, regardless of the inqs appearing or not, if a customer has too many new accounts. i have seen this exact thing noted on accounts by credit analysts......