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Inquiries Falling off EQ Early

Valued Member

Inquiries Falling off EQ Early

I'm not complaining at all Smiley Wink but I wonder if anyone can explain why all my inquiries dated before 2013 fell off my Equifax report last week. I had 12  HP's due to rebuilding my credit (apping) and car shopping, all dated from 10/2011 to 4/2012  fall off for no apparent reason. They are all still on Transunion and I am unsure about Experian but based on my fako score I believe they are still on there as well. I got a 18 point jump in my score with EQ and am loving it but I can't help wonder why. Any ideas?

7 REPLIES
Frequent Contributor

Re: Inquiries Falling off EQ Early

Wow for you!!!

 

Made me go and check mine.  I didn't have such luck.  Wish mine would fall off!




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Established Contributor

Re: Inquiries Falling off EQ Early

Do you do daily pulls of your CR?  I believe that can cause that to happen for some CRAs under certain conditions..



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Valued Member

Re: Inquiries Falling off EQ Early

I don't do daily pulls. I only use score watch to track my score. I pulled my own free report after my score jumped to try to determine the cause of the jump and noticed the drops then. I had a score watch report from January 2013 to compare it to.

Community Leader
Epic Contributor

Re: Inquiries Falling off EQ Early

I would assume that credit ihquiries are one of the biggest hogs of CRA database space.

Millions and millions of prior inquiries that have lost, in the opinion of Fair Isaac, relevance to repayment risk analysis after one year.

The CRAs informally set the probalbe use to their custormers at approx 2 years max, a lot more lenient than the FICO standard.

 

Probable reason could simply be a database purge that set the date back a bit, throwing out a bit more of the "trash."

Senior Contributor

Re: Inquiries Falling off EQ Early

I had one drop off early on Eq.  Now I have nine....whatever, lol

Frequent Contributor

Re: Inquiries Falling off EQ Early

Check actual report myfico reports only include ones from the last year. Bc they don't affect fico scoring.

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Re: Inquiries Falling off EQ Early

Nice to hear OP, now show some love my way EQ Smiley Happy