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Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

I'm in the garden, but I keep getting inquiries on my report...

The last day of my app spree was 11/24/12. Two inquiries have shown up since then. I did apply for those cards in the beginning of November, but is it normal for inquiries to show up weeks later? Credit Karma is my only reference.... Also, does it mean I have to start my gardening date over???? :womanfrustrated::womanmad:


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...

What are the inquires from ? Are your CC co. checking up on you with a new hard pull or is it just the inquiry (original showed up late)


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...

This may just be that CK has a delay in sending you alerts.


I use USAA credit monitoring and it shows my inquiry alerts a few days later but then when I click on the inquiry it gives me thae actual inquiry date from when my credit was pulled.

 

This may be normal, just my experience


Ravensfan2001 wrote:

The last day of my app spree was 11/24/12. Two inquiries have shown up since then. I did apply for those cards in the beginning of November, but is it normal for inquiries to show up weeks later? Credit Karma is my only reference.... Also, does it mean I have to start my gardening date over???? :womanfrustrated::womanmad:







Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...


annielorie wrote:

What are the inquires from ? Are your CC co. checking up on you with a new hard pull or is it just the inquiry (original showed up late)


GECRB Old Navy and Toys R Us. I have neither. So it's the original inquiry. I applied for both around 11/11/12. Toys R Us showed up a few days ago and Old Navy showed up today.


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...


xwill04 wrote:

This may just be that CK has a delay in sending you alerts.


I use USAA credit monitoring and it shows my inquiry alerts a few days later but then when I click on the inquiry it gives me thae actual inquiry date from when my credit was pulled.

 

This may be normal, just my experience


Ravensfan2001 wrote:

The last day of my app spree was 11/24/12. Two inquiries have shown up since then. I did apply for those cards in the beginning of November, but is it normal for inquiries to show up weeks later? Credit Karma is my only reference.... Also, does it mean I have to start my gardening date over???? :womanfrustrated::womanmad:






I hope it was just a delay. My experience with Credit Karma is that the inquiries would show up the next day with the update. And the thing with the Toys R Us inquiry, I got the denial email 2 days after the pull. That card was one of the first cards I applied for. Another thing that I'm afraid of is that I heard Barclay is weird about inquiries after opening an account. I don't want them to close my account for those inquiries. I love my Baltimore Ravens card!


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: I'm in the garden, but I keep getting inquiries on my report...

IME, CK has been unreliable.

Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...

Thats not such a big deal I was under the impression you were taking hard inquiries in addition to the originals.  Maybe it was due to the holiday. 


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...

Or maybe it was due to the fact of hurricane sandy, dont know where you live but it could have just been delayed in processing. Anyway its o.k.:smileyhappy:


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...

I'm with the rest, I think it's just CK.  When I apped for WalMart, also TU/GECRB, CK took a few days to send me my INQ notification

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

Re: I'm in the garden, but I keep getting inquiries on my report...

So I just found out that apparently, I have an Old Navy account. Checked my Experian report today, and Old Navy is reporting. Lol! Yay!

 

I just didn't want anymore inquiries or new accounts since I overdid it last month. Now I feel like I have to start my gardening date over again. :womansad:

 

Thank you all for the input.


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***

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