General Credit Topics

[SMikulski49]

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

[llecs]

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

[SMikulski49]

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?

[llecs]

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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?

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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.

[beb86]

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

[SMikulski49]

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