Credit Cards

[drkaje]

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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.

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

[LS2982]

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drkaje wrote:

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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.

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

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I have to monitor ALL of my reports, its an obsession

[clocktick]

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

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drkaje wrote:

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

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

[corymcd88]

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Smug wrote:

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bichonmom wrote:

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

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Smug, you had 70 inq?! Serously?

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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*

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

[corymcd88]

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LS2982 wrote:

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drkaje wrote:

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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.

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

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I have to monitor ALL of my reports, its an obsession

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

[drkaje]

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clocktick wrote:

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

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drkaje wrote:

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

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

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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.

[LS2982]

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drkaje wrote:

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clocktick wrote:

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

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drkaje wrote:

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

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

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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.

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Thats just wrong

[drkaje]

@LS,

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

[ctb89]

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drkaje wrote:

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clocktick wrote:

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

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drkaje wrote:

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

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

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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.

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

[chan85]

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ctb89 wrote:

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drkaje wrote:

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clocktick wrote:

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

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drkaje wrote:

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

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

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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.

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

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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......