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Contributor
TracyFace
Posts: 88
Registered: ‎01-01-2008

I expected INQs that never showed up

I am curious... I know I applied for a Best Buy card and a credit line at a furniture store last month that never showed up on my CRs. Also, a Circuit City denial listed a different credit bureau than TU, EX, or EQ, but I can't remember what. That also never showed up on my CRs. I'm certainly not complaining. I'm just curious about why they didn't...
EQ 560 EX 648 TU 560 01/01/08 FAKO
EQ 563 EX 678 TU 581 02/05/08 FAKO
Money is a poor man's credit card.
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007

Re: I expected INQs that never showed up

The first thing that comes to mind is if you have a split or dup file.
 
If you use a CMS and pull monitoring reports daily... big chance of this being a split file which is easily fixable by requesting that the CRA merge the two.
 
Did you ever use any other SSN... or typo it on applications?  Anyone ever do the same to you (any other odd names or addys on your CBRs?).  That would be something to look into.
 
Additionally, if you disputed old but valid addys off of your reports this can cause issues.
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007

Re: I expected INQs that never showed up

Was Circuit City pulling Innovis?
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Contributor
TracyFace
Posts: 88
Registered: ‎01-01-2008

Re: I expected INQs that never showed up



SmartCookie wrote:
The first thing that comes to mind is if you have a split or dup file.
 
If you use a CMS and pull monitoring reports daily... big chance of this being a split file which is easily fixable by requesting that the CRA merge the two.
 
Did you ever use any other SSN... or typo it on applications?  Anyone ever do the same to you (any other odd names or addys on your CBRs?).  That would be something to look into.
 
Additionally, if you disputed old but valid addys off of your reports this can cause issues.





Hmm...I don't think anything like that has happened and all of the addresses on my account are valid. I have also never disputed an address. I do use TrueCredit. How would I know if there was more than one file?
EQ 560 EX 648 TU 560 01/01/08 FAKO
EQ 563 EX 678 TU 581 02/05/08 FAKO
Money is a poor man's credit card.
Contributor
TracyFace
Posts: 88
Registered: ‎01-01-2008

Re: I expected INQs that never showed up



SmartCookie wrote:
Was Circuit City pulling Innovis?





That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...
EQ 560 EX 648 TU 560 01/01/08 FAKO
EQ 563 EX 678 TU 581 02/05/08 FAKO
Money is a poor man's credit card.
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007

Re: I expected INQs that never showed up



TracyFace wrote:

That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...


Hmm I have to check but it sounds like Chex Systems... doesn't make sense unless they pulled more than 1 bureau.  Yes please let us know what exactly it was, I'm curious.
 
As far as seeing if you have a split file, just call up the CRAs and have them check and see if there is something to merge.  If this is the case, yep you will see all those INQs but it has to be done.  Split files are not good.  Again, if this is not the case let us know... someone here will help you figure it out.  :smileyhappy:
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: I expected INQs that never showed up



SmartCookie wrote:


TracyFace wrote:

That doesn't sound familiar. The letter is at home. I can check it after work. Something makes me think it was three letters, like CHC or something...


Hmm I have to check but it sounds like Chex Systems... doesn't make sense unless they pulled more than 1 bureau.  Yes please let us know what exactly it was, I'm curious.


Following this thread because this has me curious as well.  Circuit City pulling Chex for a CC app?  Weird.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007

Re: I expected INQs that never showed up

hiya cheddar!
 
I'm just guessing... would be strange wouldn't it?  Would have to be a 2nd pull though... maybe they had trouble with the 1st INQ on one of the big 3 due to a split and wanted more verification?
 
We shall see..... 
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Contributor
TracyFace
Posts: 88
Registered: ‎01-01-2008

Re: I expected INQs that never showed up

Yikes. I am terrified that there is a horrible hidden credit report out there somewhere that I am about to discover... I will report back...
EQ 560 EX 648 TU 560 01/01/08 FAKO
EQ 563 EX 678 TU 581 02/05/08 FAKO
Money is a poor man's credit card.
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007

Re: I expected INQs that never showed up


 

TracyFace wrote:
Yikes. I am terrified that there is a horrible hidden credit report out there somewhere that I am about to discover... I will report back...


Don't worry too much... it looks like you pulled your FICOs just the other day.  When you can't pull your own reports is when there is 'Big Trouble'.
 
We'll wait for your report.  :smileyhappy:
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***

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