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Frequent Contributor
Posts: 310
Registered: ‎09-06-2011
0

CAP1/HSBC Inquiries falling off too early - error or merger issue?

Something strange happened with Cap1/HSBC inquiries. Checking CK today and 2 of them fell off my credit too early. One should have fallen off on Feb 28, 2013 and another one on Apr 9, 2013, however they fell off now. I did not dispute or did anything. Not sure if it could be due to merger that they had or anything like that, however they are gone. Now I ran my USAA last night and they Feb, 28th was gone as well now that I went back and noticed and Apr 9 was still there, so I'll check it tomorrow. Both of them were Household Bank credit requests. Going to keep an eye out and see if they come back as something else or not.

 

 

 

The following inquiries have been removed since your last score update on Aug 31, 2012:                       

Lender:   Industry: Inquiry Date: Status:
1.                                                    CAP1/HSBC                                                                                Bank                                                                                 Apr 9, 2011                                                                               Removed                           
2.                                                    CAP1/HSBC                                                                                Bank                                                                               Feb 28, 2011                                                                               Removed
NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: CAP1/HSBC Inquiries falling off too early - error or merger issue?

This isn't just Cap1/HSBC. This is TU in general. I'm not sure what it is but they'll fall off and reappear or fall off and never come back. It's weird with them.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: CAP1/HSBC Inquiries falling off too early - error or merger issue?

Same thing happened to meinquirer irises fell off from TU. It's been 2 months and they are still gone.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: CAP1/HSBC Inquiries falling off too early - error or merger issue?

It's something with TU's system. I had an old tax lien fall off and come back 8 months later Smiley Sad

I was doing the happy dance there for awhile!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: CAP1/HSBC Inquiries falling off too early - error or merger issue?

[ Edited ]

Wish that would happen to me! I have been fighting hsbc/cap 1 for three entries on my TU for the same card for several months now.

 

 

editted to say I got excited and just checked and those inquiries are still there ;(

100% Ficos: EX 776 , TU 780, EQ 774 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
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