topic Re: T/U and the lost inquiries in Credit Card Applications

T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 14:29:59 GMT

Just curious. Is anyone taking 'advantage' of this momentary and temporary score jump?

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 14:45:07 GMT

I noticed that too.

Re: T/U and the lost inquiries

GetMeSlick — Mon, 13 Jun 2016 15:23:16 GMT

whats happening with TU? Credit karma says, all my 14 Hard inqs on TU was removed from last week report to today. The score just jumped 10 points however.

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 15:29:29 GMT

If you pull an actual hard copy of your TU report they are still there.

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 15:37:47 GMT

Editor's note/addendum:

My question is NOT why or how this snafu has occurred. It simply has for whatever glitch and for a few weeks now, albeit temporarily.

My question is: is the community doing anything w this artificial boost in their scores especially w issuers/lenders who focus on T/U reports?

For example: new apps? CLI's? Etc..

My apologies for not being more clear.

Thanks.

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 15:39:32 GMT

I was just on my paid for "official" T/U site and they were indeed all gone.

Re: T/U and the lost inquiries

Meanmchine — Mon, 13 Jun 2016 16:01:26 GMT

Ive seen a couple people posting their app spree which appears to have been triggered by TU

Re: T/U and the lost inquiries

RonM21 — Mon, 13 Jun 2016 16:19:52 GMT

I've seen the same thing. Several have posted going on app sprees because of this. I've also seen a thread where someone did this, then after some approvals the inquiries came back. They were a bit worried at that point.

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 16:28:53 GMT

I noticed yesterday that TU updated the format of their report. I am wondering if this has anything to do with the glitch of inquiries disappearing. I have not apped. I am in the garden, but even if I wasn't, I wouldn't want more pulls on TU. When the inquiries come back some may be hit really hard. I had 15 inquiries when they were showing.

I have been tempted with soft pulls for CLI's, but decided to just garden and watch my scores go higher. It's a good thing.

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 17:17:27 GMT

@Anonymous wrote:
I noticed yesterday that TU updated the format of their report. I am wondering if this has anything to do with the glitch of inquiries disappearing. I have not apped. I am in the garden, but even if I wasn't, I wouldn't want more pulls on TU. When the inquiries come back some may be hit really hard. I had 15 inquiries when they were showing.

I have been tempted with soft pulls for CLI's, but decided to just garden and watch my scores go higher. It's a good thing.

When I log in to TU my inquiries are gone but when I go see my credit report for disputing the inquiries are all present. Believe me they are all there.

Re: T/U and the lost inquiries

CreditMagic7 — Mon, 13 Jun 2016 20:47:03 GMT

@Anonymous wrote:
@Anonymous wrote:
I noticed yesterday that TU updated the format of their report. I am wondering if this has anything to do with the glitch of inquiries disappearing. I have not apped. I am in the garden, but even if I wasn't, I wouldn't want more pulls on TU. When the inquiries come back some may be hit really hard. I had 15 inquiries when they were showing.

I have been tempted with soft pulls for CLI's, but decided to just garden and watch my scores go higher. It's a good thing.
When I log in to TU my inquiries are gone but when I go see my credit report for disputing the inquiries are all present. Believe me they are all there.

Order a hard paper copy. They are there, each and every one

Re: T/U and the lost inquiries

Anonymous — Mon, 13 Jun 2016 20:53:24 GMT

Correct. And although I certainly understand they will return, full force, soon, at the moment they are for all intents and purposes, read: score, not there hence all the score jumps we've been seeing here.

Anyway I was just curious to see what folks were doing, if anything, w this fools' gold.

Re: T/U and the lost inquiries

Loquat — Mon, 13 Jun 2016 22:46:30 GMT

Like others have mentioned, they're still there. Credit karma shows no inquiries for me but I hard pulled TU and all of those bad boys are there. Don't be fooled into thinking they're not. The only score increase you'll see is on Vantage reports that no one uses. If the lender pulls a FICO score then they'll get the accurate picture.

Re: T/U and the lost inquiries

FireMedic1 — Tue, 14 Jun 2016 01:27:11 GMT

Mine went poof last Mon on CK, Tues I got an alert on here my score went up 10 pts on TU. Hmmmm. 7 days later they showed up again on CK. I had to call them today for another issue and the CSR said the HP's were there and never left. I also did a 3B order today to see my EX score go up after an item fell off and I also wanted to see if the 10 pts TU gave me last week during this glitch would be reversed. No change.

Re: T/U and the lost inquiries

NichelleN — Tue, 14 Jun 2016 01:35:29 GMT

I was curious. I haven't looked at my TU report in a while so I pulled one. I'm in Minnesota so I can pull a full copy at anytime for $3 (love that since I can see who is doing a soft pull, too). All of my inquiries are there.

I also saw that my mortgage company hasn't updated anything since February. Hmm... guess I'll look into that.

Re: T/U and the lost inquiries

Anonymous — Wed, 15 Jun 2016 04:48:12 GMT

I did my yearly myFICO 3 bureau credit report update on 6/10/16. All 10 of my inquiries were gone on the newly updated myFICO report for Transunion. Go figure. I hope it stays like that, but I doubt it. My Vantage score now is 731 and myFICO is 707. Before losing the 10 inquiries my Vantage score was 658 and myFICO was 697.