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I have had both for a while now and just noticed that their is a big difference between the number of inq's between both. I checked EX, then Myfico EX and not sure which one is the correct one? Or which one the cc's, auto lenders, mtg lenders use?
Does anyone else see a big difference in them?
MyFICO only displays inquiries that are being scored (last 12 months).
Some other services (and the CRAs directly) display all inquiries that are still on the reports (usually the last 24 months).
FICO scoring models only look at the last 12 months - other models (or lender internal models) could look at anything still on the report.