topic Re: Inquiries yet again... in General Credit Topics

Inquiries yet again...

silly34 — Thu, 04 Sep 2008 13:56:51 GMT

I have an account with True Credit, just updated the reports and found that TU, EX have my inquiries at 11 but EQ has it at 22. I looked at the dates and the majority of the inquires are from 2006, shouldn't these have fallen off after a year?

Re: Inquiries yet again...

niecey89 — Thu, 04 Sep 2008 14:01:05 GMT

From what i have been reading, inquiries fall off after 2 years from the date of original inquiry

Re: Inquiries yet again...

Anonymous — Thu, 04 Sep 2008 14:51:01 GMT

Yes- this is correct

1 year in scoring

2 years on report

EX has not done their Sept maint yet- I have 6 inq's from Aug 15th 2006 that need to go.

niecey89 wrote:

From what i have been reading, inquiries fall off after 2 years from the date of original inquiry

Re: Inquiries yet again...

Anonymous — Thu, 04 Sep 2008 17:56:31 GMT

I have 26 from 2006. Hopefully when they go it will help some.

Re: Inquiries yet again...

athensguy — Thu, 04 Sep 2008 18:20:02 GMT

EX keeps INQs for 25 months.

Re: Inquiries yet again...

haulingthescoreup — Thu, 04 Sep 2008 19:01:09 GMT

I'm pretty sure that my 2-year-old inqs fell off on their actual anniversary --on the 15th or whatever, not just the first of the month.

It's also on the actual day of the month that they stop counting after one year, again not just the first, so maybe that's the pattern for falling off as well.

Re: Inquiries yet again...

Anonymous — Fri, 05 Sep 2008 01:30:49 GMT

My experience with EX is that they do their maintenance on the 1st Sunday of each month.

Try it now. Pull EX by Saturday 9/6, then pull again on 9/8 (Monday). Anything 2 years old will fall off, i.e. any inquiry with an Aug 06 date will fall off on Monday.