We all know that keeping track of inquiries is vital when apping for new credit cards. I thought I was doing just that.
We're signed up for the TU Quarterly monitoring. Our TU report through myFICO said that there were zero inquiries affecting our FICO score.
Today we got a TU CR directly from TU, which I know will be more complete. We had given them some updated employment data, disputed a couple of addresses that weren't ours, etc. I'm assuming that's why we got the CR from them.
On this CR there are 3 hard inquiries listed, but they are dated from 10/07 to 7/08. Just trying to understand...did our CR from TU that we pulled from myFICO say that there were no inquiries affecting our FICO score because all of these were over a year old?
Thanks for the input. I thought that was what was happening.
My first impression, of course, was a frustrated, "Now why didn't the report from myFICO have those???"
In looking at reports, it always helps to take a deep breath and put on your analytical hat first, before blaming.