Reply
Regular Contributor
Posts: 222
Registered: ‎01-08-2011
0

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.

Valued Contributor
Posts: 2,328
Registered: ‎03-15-2012
0

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.
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Valued Contributor
Posts: 2,328
Registered: ‎03-15-2012
0

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.
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Regular Contributor
Posts: 222
Registered: ‎01-08-2011
0

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.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.