Disappearing TU inquiries (I'M NOT REFERRING TO SOFT PULLS)

[Hokies2379]

I searched the forums and didn't find anything exactly like this.

All of the reporting sites (CCT, MF, CS, CK etc.) show that I have 5 TU inquiries.

However, when I pull my direct report from TU is shows the legit 18 that I have.

Which one do you think a credit card company would see?

My guess is the correct amount, but the others report the right amounts, is this something weird with TU and the monitoring sites?

(apologies if this isn't the right place for this thread, but I could only think of one of two places it should go.)

[RobertEG]

Is the report you obtained directly from TU showing both hard and soft inquiries, while the others are showing only hard inquiries?

[Hokies2379]

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@RobertEG wrote:

Is the report you obtained directly from TU showing both hard and soft inquiries, while the others are showing only hard inquiries?

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Correct, but in different places.  The real number is 18 on hard, but the only place that shows it is TU directly.

[Anonymous]

Are they inquiries for an auto loan?

[Hokies2379]

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@Anonymous wrote:
Are they inquiries for an auto loan?

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Not all of them, no.  5 were.

[RobertEG]

Most commercial credit reports avoid the issue of not showing soft pulls to others by not including them in their credit reports, thus being able to sell the same report to both the named consumer and to others.  Only reports that are known to be available only to the named consumer can include soft inquiries, such as the report you obtain from annualcreditreport.com or directly from the CRA when they know you are the named consumer.

Even if auto or mortgage eelated, all will appear in your credit report, even though the FICO algorithm scores some multiple auto or mortgage inqiriies as only one.

That is not the likely source of the difference.

[Hokies2379]

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@RobertEG wrote:

Most commercial credit reports avoid the issue of not showing soft pulls to others by not including them in their credit reports, thus being able to sell the same report to both the named consumer and to others.  Only reports that are known to be available only to the named consumer can include soft inquiries, such as the report you obtain from annualcreditreport.com or directly from the CRA when they know you are the named consumer.

Even if auto or mortgage eelated, all will appear in your credit report, even though the FICO algorithm scores some multiple auto or mortgage inqiriies as only one.

That is not the likely source of the difference.

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The soft pulls are not the issue.  These are hard pulls that have disappeared.

[Anonymous]

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@Hokies2379 wrote:

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@RobertEG wrote:

Most commercial credit reports avoid the issue of not showing soft pulls to others by not including them in their credit reports, thus being able to sell the same report to both the named consumer and to others.  Only reports that are known to be available only to the named consumer can include soft inquiries, such as the report you obtain from annualcreditreport.com or directly from the CRA when they know you are the named consumer.

Even if auto or mortgage eelated, all will appear in your credit report, even though the FICO algorithm scores some multiple auto or mortgage inqiriies as only one.

That is not the likely source of the difference.

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The soft pulls are not the issue.  These are hard pulls that have disappeared.

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Could be something referred to as "bumpage". You will have to Google it for more information.

[Hokies2379]

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@Anonymous wrote:

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@Hokies2379 wrote:

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@RobertEG wrote:

Most commercial credit reports avoid the issue of not showing soft pulls to others by not including them in their credit reports, thus being able to sell the same report to both the named consumer and to others.  Only reports that are known to be available only to the named consumer can include soft inquiries, such as the report you obtain from annualcreditreport.com or directly from the CRA when they know you are the named consumer.

Even if auto or mortgage eelated, all will appear in your credit report, even though the FICO algorithm scores some multiple auto or mortgage inqiriies as only one.

That is not the likely source of the difference.

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The soft pulls are not the issue.  These are hard pulls that have disappeared.

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Could be something referred to as "bumpage". You will have to Google it for more information.

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Yeah, I read about that, but that seems to refer to them being gone all over.  These are gone everywhere except one place. But I'm afraid it's the place that matters.

[Anonymous]

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@Hokies2379 wrote:

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@Anonymous wrote:

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@Hokies2379 wrote:

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@RobertEG wrote:

Most commercial credit reports avoid the issue of not showing soft pulls to others by not including them in their credit reports, thus being able to sell the same report to both the named consumer and to others.  Only reports that are known to be available only to the named consumer can include soft inquiries, such as the report you obtain from annualcreditreport.com or directly from the CRA when they know you are the named consumer.

Even if auto or mortgage eelated, all will appear in your credit report, even though the FICO algorithm scores some multiple auto or mortgage inqiriies as only one.

That is not the likely source of the difference.

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The soft pulls are not the issue.  These are hard pulls that have disappeared.

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Could be something referred to as "bumpage". You will have to Google it for more information.

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Yeah, I read about that, but that seems to refer to them being gone all over.  These are gone everywhere except one place. But I'm afraid it's the place that matters.

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Yeah, it is sort of strange... I've not heard of that occurring before.