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sham010379
Posts: 50
Registered: ‎03-08-2009

Inquiries falling off early!

Not complaing but transunion has been dropping all my inquires way before the two year mark. Is this normal?

Valued Contributor
alvon123
Posts: 5,359
Registered: ‎09-24-2013

Re: Inquiries falling off early!

Are you using any credit monitoring products, such as Credit Karma or Smart Credit?

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Established Member
bed
Posts: 20
Registered: ‎06-15-2012

Re: Inquiries falling off early!

My myFICO reports only show inquiries up to a year back, even though they are actually on my CR two years back.  I'm guessing they just do this because the FICO model only takes them into account up to one year.  Still, it would be good to know if a lender is going to see older inquiries.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Inquiries falling off early!


sham010379 wrote:

Not complaing but transunion has been dropping all my inquires way before the two year mark. Is this normal?


Remember, if TU taketh away, TU can giveth back.

 

Ditto to the CMS comment above. It's normal.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Inquiries falling off early!


bed wrote:

My myFICO reports only show inquiries up to a year back, even though they are actually on my CR two years back.  I'm guessing they just do this because the FICO model only takes them into account up to one year.  Still, it would be good to know if a lender is going to see older inquiries.


Yes, they can see them for all 2 years. Your non-myFICO reports will show the inquiries for 2 years. IME, I never had any lender care about inquiries outside a year...some didn't care outside a few months.

Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Inquiries falling off early!

I've never had an inquiry fall off early. Mine usually fall off way after the date they report they will fall off. I have noticed alot of times the credit bureau will remove the inquiry to add it back under different name (ex. JP Morgan inquiry to Chase inquiry). It usually has all the same info and reporting date time.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
MaRain
Posts: 183
Registered: ‎04-05-2013

Re: Inquiries falling off early!


sham010379 wrote:

Not complaing but transunion has been dropping all my inquires way before the two year mark. Is this normal?


It's been normal for me :smileywink: TU has dropped items off approximately 6 months before the 7 year mark and at least 2x approximately 9 months before. I have pulled my reports directly from TU and they were gone (they have not returned and with the CR reporting period long past, I am assuming that they should not return). EQ has been up to 3 months before and EX up to 2 months before the CR  time period is up. 

Finally made it at least 7 months without an app!! In the garden until July 2014. Last app 9/16/13 (approved)



Starting Score: EQ 457, EX 424, TU 511 (FAKOS as of 4/27/12)
Current Score: EQ 643, EX 627, TU 678 (FICO pulled by dealership on 9/16/13)
Goal Score: EQ 700, EX 700, TU 720 (for now)


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Valued Contributor
Wanderer
Posts: 2,958
Registered: ‎10-03-2008

Re: Inquiries falling off early!

Mine too! My view, "don't look a gift horse in the mouth".

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