Reply
New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012
0

Credit Karma

It shows that 7 hard inquiries were removed from my transunion. It has not been 2 years since those inquiries were there how did they even fall off? I also pulled a report from equifax where i can get all three reports in one and it shows my Transunion with 22 inquiries and just a month ago had 29 in there? is this accurate have this happened to anyone?




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: Credit Karma


alessandrom wrote:

It shows that 7 hard inquiries were removed from my transunion. It has not been 2 years since those inquiries were there how did they even fall off? I also pulled a report from equifax where i can get all three reports in one and it shows my Transunion with 22 inquiries and just a month ago had 29 in there? is this accurate have this happened to anyone?


22 vs 29 no big difference. I wouldn't lose sleep over it, just garden until most of them fall off.

 

Maybe the 7 were older than 2 years and you just hadn't noticed how old they were.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012
0

Re: Credit Karma

My oldest trade line is not even a year old so it is obvious that these inquiries are only months old. I know that 22 and 29 is not a trip to the moon and will def not loose sleep over it Was just wondering anyone had an idea what might cause this and if they are gone for good? Thanks


Dustink wrote:

alessandrom wrote:

It shows that 7 hard inquiries were removed from my transunion. It has not been 2 years since those inquiries were there how did they even fall off? I also pulled a report from equifax where i can get all three reports in one and it shows my Transunion with 22 inquiries and just a month ago had 29 in there? is this accurate have this happened to anyone?


22 vs 29 no big difference. I wouldn't lose sleep over it, just garden until most of them fall off.

 

Maybe the 7 were older than 2 years and you just hadn't noticed how old they were.


 




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012
0

Re: Credit Karma

CK dropping INQ's is accurate to the day for me.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: Credit Karma

Maybe 2 years ago you were declined for some accounts, and now you forgot that you apped.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
0

Re: Credit Karma

CK shows one of my inquiries falling off today, exactly two years old.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
New Contributor
ficophobic
Posts: 69
Registered: ‎08-28-2007
0

Re: Credit Karma


alessandrom wrote:

It shows that 7 hard inquiries were removed from my transunion. It has not been 2 years since those inquiries were there how did they even fall off? I also pulled a report from equifax where i can get all three reports in one and it shows my Transunion with 22 inquiries and just a month ago had 29 in there? is this accurate have this happened to anyone?


Transunion has been deleting some of my inquiries early, too.  One had a date of 10/12/12.


Starting Score: 464
Current Score:
02/22/13 EQ 562 EX ??? TU 570. 03/01/13 EQ 571 EX ??? TU 609

Goal Score: 650


Take the myFICO Fitness Challenge

New Contributor
Axa
Posts: 136
Registered: ‎02-20-2013
0

Re: Credit Karma

I was talking about this a few days ago, and I was told they start becoming ineffective aroun 90 days and can fall off in 6 months. Of course YMMV, but I thought this was interesting to hear. I've mainly heard that they affect the score for a year, but stay on your report for 2 years.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012
0

Re: Credit Karma

Over the past couple of weeks more inquiries have been falling off im down to 14 now... Im  not mad keep on falling!! hehe def weird though they werent even there for a whole year




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}