Re: Equifax says myFICO is a hard inquiry but...
11-13-2012 05:53 PM
I signed up for Scorewatch 11/15/2011. I pulled my second Scorewatch report 10/16/2012.
I pulled my EQ report from annualcreditreport.com on 10/22/2012. The Inquiries section of the EQ report reads like this:
FAIR ISAAC 10/16/2012, 11/15/11
ND-FAIR ISAAC 11/15/11
EQUIFAX or EFX Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy of your credit file or a research request.
ND Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for 24 months.)
Now I'm confused. It looks like myFICO did a soft AND hard pull when I initially signed up for Scorewatch, then did a hard pull when I got the second report. That doesn't sound quite right. Can someone explain?
11/02/2012 Peak - EQ 790 (ScoreWatch FICO)
11/01/2013 Current - EQ 769 (ScoreWatch FICO)
GOAL - 800! - App free since 12/07/2013