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Equifax vs Creditkarma

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Regular Contributor

Equifax vs Creditkarma

Quick question for you guys. I check credit karma website frequently and it tells me that I have 4 hard inquaries. Few days ago I checked my Equifax report and it does not show any hard inquaries. I am a little confused as to why, any ideas?

 

Thanks

Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: Equifax vs Creditkarma

CK pulls TU only and your EQ report only cover EQ (assuming now you didn't buy the 3-in-1).

Message 2 of 6
Regular Contributor

That makes sense, but is that normal that one report show...

That makes sense, but is that normal that one report shows 4 and one 0? Does it all depend on whoever is checking credit score which one they pull?

Message 3 of 6
Moderator Emeritus

Re: That makes sense, but is that normal that one report show...


SMikulski49 wrote:

That makes sense, but is that normal that one report shows 4 and one 0? Does it all depend on whoever is checking credit score which one they pull?


It's normal. Each creditor has their own preference as to which report to pull.

 

 

ETA...I'll also add that if you pulled your EQ report from here, it will only show inquiries for the past year, whereas non-FICO reports will show it for the past 2...because FICO only factors inquiries for one year.

Message 4 of 6
Valued Contributor

Re: Equifax vs Creditkarma

CK also has your INQ listed for 24 months when EQ only has them listed for 12 months

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Message 5 of 6
Regular Contributor

Re: Equifax vs Creditkarma

Thank you for all the information everyone, I really want to get my scores above 800, but now I just need time Smiley Happy

Message 6 of 6