Valued Member
SMikulski49
Posts: 46
Registered: ‎03-09-2009
Equifax vs Creditkarma

‎11-26-2012 06:02 AM

Quick question for you guys. I check credit karma website frequently and it tells me that I have 4 hard inquaries. Few days ago I checked my Equifax report and it does not show any hard inquaries. I am a little confused as to why, any ideas?

 

Thanks

Starting Score: TU-775; EQ-799; EX-766
Current Score: TU-775; EQ-799; EX-766
Goal Score: TU-790; EQ-800+; EX-780

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llecs
Posts: 31,968
Registered: ‎08-04-2007
Re: Equifax vs Creditkarma

‎11-26-2012 06:29 AM

CK pulls TU only and your EQ report only cover EQ (assuming now you didn't buy the 3-in-1).

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Valued Member
SMikulski49
Posts: 46
Registered: ‎03-09-2009
That makes sense, but is that normal that one report show...

‎11-26-2012 06:42 AM

That makes sense, but is that normal that one report shows 4 and one 0? Does it all depend on whoever is checking credit score which one they pull?

Starting Score: TU-775; EQ-799; EX-766
Current Score: TU-775; EQ-799; EX-766
Goal Score: TU-790; EQ-800+; EX-780

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llecs
Posts: 31,968
Registered: ‎08-04-2007
Re: That makes sense, but is that normal that one report show...
[ Edited ]

‎11-26-2012 06:49 AM - edited ‎11-26-2012 06:50 AM

SMikulski49 wrote:

That makes sense, but is that normal that one report shows 4 and one 0? Does it all depend on whoever is checking credit score which one they pull?

It's normal. Each creditor has their own preference as to which report to pull.

 

 

ETA...I'll also add that if you pulled your EQ report from here, it will only show inquiries for the past year, whereas non-FICO reports will show it for the past 2...because FICO only factors inquiries for one year.

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Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
Re: Equifax vs Creditkarma

‎11-26-2012 08:28 AM

CK also has your INQ listed for 24 months when EQ only has them listed for 12 months

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Valued Member
SMikulski49
Posts: 46
Registered: ‎03-09-2009
Re: Equifax vs Creditkarma

‎11-28-2012 08:48 AM

Thank you for all the information everyone, I really want to get my scores above 800, but now I just need time :smileyhappy:

Starting Score: TU-775; EQ-799; EX-766
Current Score: TU-775; EQ-799; EX-766
Goal Score: TU-790; EQ-800+; EX-780

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