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2 March/2013 inquiries fell off my EQ report

Regular Contributor

2 March/2013 inquiries fell off my EQ report

I noticed last week when I pulled my CRs from USSA that my only two inquiries I had on EQ were gone. I apped for both Discover and Capital once successfully in March of this year. They had both been on my EQ reports until last week. I have checked everyday now for the past 6 days and each day they haven't been present... My score here has changed on EQ during this time and I can see some items that I have paid off get removed as well, so I know that EQ is updating.

Message 1 of 6
5 REPLIES
Valued Contributor

Re: 2 March/2013 inquiries fell off my EQ report

Daily pulls? Look up "bumpage" for a rundown of what you're most likely experiencing.
Message 2 of 6
Moderator Emeritus

Re: 2 March/2013 inquiries fell off my EQ report

That's a problem with bumpage, you can lose positive accounts too. Also, especially with EQ you should be careful of split files
Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 6
Valued Contributor

Re: 2 March/2013 inquiries fell off my EQ report


Shogun wrote:
That's a problem with bumpage, you can lose positive accounts too. Also, especially with EQ you should be careful of split files
I'm getting same on tu, but I've been lucky (to my benefit) so far.
Message 4 of 6
Moderator Emeritus

Re: 2 March/2013 inquiries fell off my EQ report

TU isn't near as bad as EQ when it comes to split files. Just glad you didn't lose positive TLs, they are good about that.
Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 6
Highlighted
Regular Contributor

Re: 2 March/2013 inquiries fell off my EQ report

Well I had no idea that pulling your report with the USSA service would do this. I and others have asked if it is OK to do this, and I never heard anyone say this can be the result... I have been pulling my daily report now for over 18 months... about 4-5 times a week.

Message 6 of 6