Credit Karma Inquiry number question.

[ilovelisa]

According to DCU, I have 82 inquiries on my report for the past year.  According to Credit Karma, I only have 25. What makes me doubt CK is I had an inquiry from Sam's Club on 10/31/2012, but when I updated my score today, CK says that inquiry from 10/31/2012 was removed on 1/19/2013, and I have seen this happen to other inquiries on CK, this can't possibly be right. Can it?

[Revelate]

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@ilovelisa wrote:

According to DCU, I have 82 inquiries on my report for the past year.  According to Credit Karma, I only have 25. What makes me doubt CK is I had an inquiry from Sam's Club on 10/31/2012, but when I updated my score today, CK says that inquiry from 10/31/2012 was removed on 1/19/2013, and I have seen this happen to other inquiries on CK, this can't possibly be right. Can it?

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CK pulls off Transunion, whereas DCU is Equifax all the time.

Inquiries aren't consistent between bureaus, for credit approvals an inquiry may be lodged on 0, 1, 2, or all 3 of the CRA's databases depending on lender and loan type.

I think what was surprising to the rest of us is that you had 82 on EQ alone (at least to me), 82 overall I could see but on a single bureau just seemed really high as that's on the order of an application every 10 days assuming the 2 year timeslice a credit report has for inquiries.

Beyond that I wouldn't trust CK that much as it's an interpretation of the base report, though for me it's been 1:1 with Transunion's data though I've never gone inquiry counting as TBH I couldn't care less about inquiries on TU personally .

[ilovelisa]

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@Revelate wrote:

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@ilovelisa wrote:

According to DCU, I have 82 inquiries on my report for the past year.  According to Credit Karma, I only have 25. What makes me doubt CK is I had an inquiry from Sam's Club on 10/31/2012, but when I updated my score today, CK says that inquiry from 10/31/2012 was removed on 1/19/2013, and I have seen this happen to other inquiries on CK, this can't possibly be right. Can it?

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CK pulls off Transunion, whereas DCU is Equifax all the time.

Inquiries aren't consistent between bureaus, for credit approvals an inquiry may be lodged on 0, 1, 2, or all 3 of the CRA's databases depending on lender and loan type.

I think what was surprising to the rest of us is that you had 82 on EQ alone (at least to me), 82 overall I could see but on a single bureau just seemed really high as that's on the order of an application every 10 days assuming the 2 year timeslice a credit report has for inquiries.

Beyond that I wouldn't trust CK that much as it's an interpretation of the base report, though for me it's been 1:1 with Transunion's data though I've never gone inquiry counting as TBH I couldn't care less about inquiries on TU personally .

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I know I app alot, probably 4 to 5 times a week. I'm glad I found the app addiction dungeon thread lol. I know I MUST stop, and I just get this rush when i'm approved lol, just yesterday I was approved for the Cap 1 Sony card. But i've promised myself that was the last app for at least 6 months lol.

[drkaje]

What's out there worth apping for that many times?

[ilovelisa]

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@drkaje wrote:

What's out there worth apping for that many times?

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On my wish list:

Chase Freedom

Discover IT

Citi Dividend

BofA Amex

Cap 1 Venture

Citi Diamond Preferred

I just app for these, and I keep getting declined, so I'll stop apping for them

[bs6054]

I think gardening is a good first step, but also stay away from forums like these for a year!  You obviously have it pretty badly.

You have some good cards (I'm surprised about Penfed is one of the later ones, I thought all those inqs would have scared them off).   Take some time.

[ceemee2203]

If you've recently had an AA (and I guess that's a yes), you should just pull your credit report directly from EQ.

[chnceit]

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@Revelate wrote:

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@ilovelisa wrote:

According to DCU, I have 82 inquiries on my report for the past year.  According to Credit Karma, I only have 25. What makes me doubt CK is I had an inquiry from Sam's Club on 10/31/2012, but when I updated my score today, CK says that inquiry from 10/31/2012 was removed on 1/19/2013, and I have seen this happen to other inquiries on CK, this can't possibly be right. Can it?

---

CK pulls off Transunion, whereas DCU is Equifax all the time.

Inquiries aren't consistent between bureaus, for credit approvals an inquiry may be lodged on 0, 1, 2, or all 3 of the CRA's databases depending on lender and loan type.

I think what was surprising to the rest of us is that you had 82 on EQ alone (at least to me), 82 overall I could see but on a single bureau just seemed really high as that's on the order of an application every 10 days assuming the 2 year timeslice a credit report has for inquiries.

Beyond that I wouldn't trust CK that much as it's an interpretation of the base report, though for me it's been 1:1 with Transunion's data though I've never gone inquiry counting as TBH I couldn't care less about inquiries on TU personally .

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+1 

You have 3 different reports, you may have over 100 credit pulls across all 3. 

I suggest you stop apping and garden. You have a whole bunch of GE cards which they will grow in a short time. Request a CLI and it will help your overall UTI. 

Just my .02

[ilovelisa]

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@ceemee2203 wrote:

If you've recently had an AA (and I guess that's a yes), you should just pull your credit report directly from EQ.

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I haven't had any AA yet, but I'm thinking Barclay's will have something to say about the inquiries and new accounts in a couple months lol.

[SwampSystems]

CreditKarma falls victim to a loophole in TransUnion's API that isn't allowed to be discussed here. If you pull your report directly from TransUnion, you will correctly see all of your inquiries; however, CreditKarma (willingly or not) can only see your last X inquiries.