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New Contributor
Posts: 107
Registered: ‎02-28-2013
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Inquiries re-added to my credit report or just Credit Karma weirdness?

[ Edited ]

 

CK screenshot

https://docs.google.com/file/d/0B3G0jrdki8tsTjZud19jZXpreEk/edit?usp=sharing

 

 

I went on a fairly (entirely) unsucessful app spree when I turned 18. Much wiser now, and more than a bit more conscious of my credit. I applied for credit after the one year mark hit most of my inquiries (striken from score calculation, not from my credit report) and CK reported accurately. Now, though, those inquiries have popped up again, apparently? Is this worth investigating?

 

 

Walmart Store Card: $600 & Amazon Store Card: $1200
Amazon.com Visa: $500 & Chase Freedom: $3000
US Bank REI Visa Signature: $5500
Discover It: $100

TU-654 [03/18/2014]
Established Contributor
Posts: 658
Registered: ‎07-03-2012
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?

Creditkarma counts inquiries for the entire two years that they are on your report. After one year they will have no effect on FICO scoring, but banks can and will still deny for too many inquiries if they feel like it. Especially with this update CK is just weird. For example my Penfed card doesn't show up even though it's on my TU report. 


Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?

I think CK is just unreliable now. I dont like it at all.



EQ FICO 548 3/3/16
Established Contributor
Posts: 658
Registered: ‎07-03-2012
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?


LS2982 wrote:
I think CK is just unreliable now. I dont like it at all.

I know I won't really be using it anymore. At least not anywhere near as often. 


Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?

it's just stupid CK............

 

I have some other random Wells Fargo account that was reporting on my CR on top of my WF account.

Called WF, and they got it removed from all 3 bureaus.

CK (old version) removed that account too after TU updated my CR.

Then, after the switch to the new version, that account miracleously came back, even though it still isn't on my TU report.

 

Emailed CK support a few times, got the dumbest copy and paste responses, and I decided to give up.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?

Ive noticed closed/opened accounts will disappear/reappear heh
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?

Credit karma? What's that? No longer a site I use since their 'upgrade' which is too bad.
Valued Contributor
Posts: 2,140
Registered: ‎03-30-2012
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Re: Inquiries re-added to my credit report or just Credit Karma weirdness?


LS2982 wrote:
I think CK is just unreliable now. I dont like it at all.

+1...I hate the new layout. Mine keeps saying two new accounts were added every time I update...the accounts were added two months ago.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000

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