Credit Card Center Advertiser Disclosure†
06-25-2012 06:11 PM
Curious if anyone else has experienced this: I had two inquires show up on EQ; one was in February for Sprint, and one was in August of 2011 for Cap1. They reported to EQ earlier this month. Since then, my last collection stopped reporting, but the inquiries a few days later also stopped reporting. Not sure if EQ hiccuped, or if there's a glitch, or if this is actually somewhat normal... I'd love for the rest to fall off of EX and/or TU!
Happen to anyone else? I've done no disputes, etc, just regular credit monitoring via USAA...
06-25-2012 06:19 PM
I've been pulling my report almost daily through USAA for about 1 year now. I have yet to see any inquries just fall off due to my pulls.
06-25-2012 06:37 PM
It's quite strange... I could almost justify the Sprint inquiry being removed, by Sprint, because, well, it's a freakin' cell phone. No real need for a two-year mark on a credit report for that. So I'm now thinking it's a hiccup by EQ? Wonder if they'll come back... It bumped up my EQ by quite a few points, so I'm not complaining...
06-25-2012 11:35 PM
I would imagine that, of all areas of CRA business, the handling of inquiries and their associated data is probably the least of concern and the most automated.
They receive hundreds of thousands a day, and they are not actually the reporting of consumer information, so I would highly doubt if anyone is spending a second of time to give consideration to earlier removal of any specific types of inquiries.
I would vote on the hiccup theory.
06-26-2012 08:26 AM
Unfortunately, all the major carriers do hard pulls when applying for service, even if you technically don't consider it a line of credit. You're getting a subsidized phone at a fraction of the retail price, etc.
Anyways, I've never heard of INQs just falling off before, so I would consider it very lucky, and hopefully they don't reappear in the future. Either way, after a year they'll be gone for good in terms of affecting your FICO scores.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.