Inquiry Discrepancies?

[ayles]

I was able to pull up my Experian cr two days ago when I was denied for the BCE. i had 12 inquiries over the past two years.

Then today I happen to be able to pull Equifax for free by using denial as a reason and it only had 4 inquiries over the last 2 years.

I'm just curious as to why is there such a discrepancy in number of inquiries between the two?

I want to check TU now because I have no clue what they're reporting....

[RobertEG]

The deletion of inquiries is solely a discretionary housekeeping measure taken by the CRAs to clearn out their files.

While two years is the normal age, they can occur at any time.  I would suspect they recently purged some ot the older inquiries.

[09Lexie]

Keep in mind each CB has its own set of inquiries.  If every cc you applied for pulled all 3 CBs, then the inq's would be the same across all three.  Chances are whomever you applied with may have pulled EX, EQ or TU.

[takeshi74]

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@ayles wrote:

I'm just curious as to why is there such a discrepancy in number of inquiries between the two?

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It's not a discrepancy.  As Lexis indicates, creditors don't pull all 3 except in certain cases so it's normal for the number of inquiries to vary.  I probably have about 10 with Experian, several with Equifax and 0 with Trans Union.

[ayles]

Thanks for the helpful information everybody! Makes a lot more sense. 

[LearningMoreAboutCredit]

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@ayles wrote:

I was able to pull up my Experian cr two days ago when I was denied for the BCE. i had 12 inquiries over the past two years.

Then today I happen to be able to pull Equifax for free by using denial as a reason and it only had 4 inquiries over the last 2 years.

I'm just curious as to why is there such a discrepancy in number of inquiries between the two?

I want to check TU now because I have no clue what they're reporting....

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Creditors have a tendency to pull just one report if your report is decent (or a variant of the three if borderline).  However, CapOne will pull all three reports regardless.  That is why you don't have an equal number of pulls on each report.