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when I check and monitor my credit score on Equifax Site its reporting 12 inquiries, when Myfico.com only reporting 7 inquires which one is correct and what a creditor or which ? a bit confusing .. to have two difeerent reports showing different reports (inquries )
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@NY2014 wrote:when I check and monitor my credit score on Equifax Site its reporting 12 inquiries, when Myfico.com only reporting 7 inquires which one is correct and what a creditor or which ? a bit confusing .. to have two difeerent reports showing different reports (inquries )
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They are both correct. MyFICO (for some reason) only shows inquiries from the last 12 months -- those that count in FICO scoring. Others report the number from the last two years, the full amount of HP's visible when pulling credit. Lenders would see the HPs from the full two years.
The CRA is the official record keeper of the credit report.