topic Re: stupid question about HARD INQ'S in General Credit Topics

stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 01:32:07 GMT

how long does it take for them to pop up?i havent gotten no alerts of my Hard pulls from yesterday

Re: stupid question about HARD INQ'S

Rhaeny — Mon, 25 Mar 2013 01:35:32 GMT

No not a stupid question at all.

I usually get notification within 24 hours of any changes to my reports.

Yesterday I did an app before noon and by this morning I got my alerts. So it's not instantaneous for me but fairly quickly.

Re: stupid question about HARD INQ'S

Anonymous — Mon, 25 Mar 2013 01:36:19 GMT

normally it show up right away on ur credit report.

Re: stupid question about HARD INQ'S

Anonymous — Mon, 25 Mar 2013 01:36:58 GMT

@mojobones89 wrote:
how long does it take for them to pop up?i havent gotten no alerts of my Hard pulls from yesterday

Alert may take a day or two, but conventional wisdom is that it's nearly instantaneous.

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 01:43:04 GMT

@Anonymous wrote:
@mojobones89 wrote:
how long does it take for them to pop up?i havent gotten no alerts of my Hard pulls from yesterday
Alert may take a day or two, but conventional wisdom is that it's nearly instantaneous.

i only see one for AMEX,my others for penfed,citi and NFCU dont show,and i kinda went on an app spree a couple days ago

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 01:44:27 GMT

@Anonymous wrote:
normally it show up right away on ur credit report.

like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 01:45:24 GMT

@Rhaeny wrote:
No not a stupid question at all.

I usually get notification within 24 hours of any changes to my reports.

Yesterday I did an app before noon and by this morning I got my alerts. So it's not instantaneous for me but fairly quickly.

i guess the other apps may have done a SP,i highly doubt it.....

Re: stupid question about HARD INQ'S

HiLine — Mon, 25 Mar 2013 01:52:17 GMT

@mojobones89 wrote:
how long does it take for them to pop up?i havent gotten no alerts of my Hard pulls from yesterday

What credit monitoring service do you use? Some detect changes and send alerts faster than others.

Re: stupid question about HARD INQ'S

Datx — Mon, 25 Mar 2013 01:52:29 GMT

@mojobones89 wrote:
@Anonymous wrote:
normally it show up right away on ur credit report.
like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS

When you say "alert" Im assuming you are getting an email saying you have a new INQ, correct? Are you actually doing a refresh or pull of your credit report? Cause it normally shows right away when you refresh/pull your CRs. An alert email can take anywhere to a day or two, or even just a few hours. But if for example, I applied for a new CC right now at PenFed. And then I do a refresh or pull of my CRs, Im going to see a new EQ INQ for sure.

Re: stupid question about HARD INQ'S

Rhaeny — Mon, 25 Mar 2013 02:07:58 GMT

@Datx wrote:
@mojobones89 wrote:
@Anonymous wrote:
normally it show up right away on ur credit report.
like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS
When you say "alert" Im assuming you are getting an email saying you have a new INQ, correct? Are you actually doing a refresh or pull of your credit report? Cause it normally shows right away when you refresh/pull your CRs. An alert email can take anywhere to a day or two, or even just a few hours. But if for example, I applied for a new CC right now at PenFed. And then I do a refresh or pull of my CRs, Im going to see a new EQ INQ for sure.

Correct....

I thought that mojobones was talking about alerts and I don't get them immediately. But yes if I pulled my reports right after an app I will see the HP's. If mojobones isn't seeing the HP's from a couple of days ago, then either they SP'd which I doubt on a new app, or they didn't pull it at all. Are there other reasons preventing anyone knows of to prevent an HP from showing up?

Re: stupid question about HARD INQ'S

SnackTrader — Mon, 25 Mar 2013 02:09:18 GMT

Also, there are three major credit bureaus, so unless you are checking all three you will likely miss some INQs because banks may pull only one of the three.

Make sure you are checking EX, EQ, and TU to see all INQs.

Re: stupid question about HARD INQ'S

Anonymous — Mon, 25 Mar 2013 02:11:05 GMT

Alerts from credit monitoring services are NEVER going to be instant. They are not constantly pulling your report. They will do it at certain intervals. myFICO does it every week or so.

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 02:22:44 GMT

@Rhaeny wrote:
@Datx wrote:
@mojobones89 wrote:
@Anonymous wrote:
normally it show up right away on ur credit report.
like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS
When you say "alert" Im assuming you are getting an email saying you have a new INQ, correct? Are you actually doing a refresh or pull of your credit report? Cause it normally shows right away when you refresh/pull your CRs. An alert email can take anywhere to a day or two, or even just a few hours. But if for example, I applied for a new CC right now at PenFed. And then I do a refresh or pull of my CRs, Im going to see a new EQ INQ for sure.
Correct....

I thought that mojobones was talking about alerts and I don't get them immediately. But yes if I pulled my reports right after an app I will see the HP's. If mojobones isn't seeing the HP's from a couple of days ago, then either they SP'd which I doubt on a new app, or they didn't pull it at all. Are there other reasons preventing anyone knows of to prevent an HP from showing up?

exactly,im wondering what they did.i just refreshed my reports,on usaa credit report and experian credit report that show all 3 scores/reports.

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 02:23:56 GMT

@Datx wrote:
@mojobones89 wrote:
@Anonymous wrote:
normally it show up right away on ur credit report.
like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS
When you say "alert" Im assuming you are getting an email saying you have a new INQ, correct? Are you actually doing a refresh or pull of your credit report? Cause it normally shows right away when you refresh/pull your CRs. An alert email can take anywhere to a day or two, or even just a few hours. But if for example, I applied for a new CC right now at PenFed. And then I do a refresh or pull of my CRs, Im going to see a new EQ INQ for sure.

ya my alert just came in today for AMEX but when i refresh both usaa and experian credit reports which both show all three bureaus it dont show the rest of my apps

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 02:24:27 GMT

@HiLine wrote:
@mojobones89 wrote:
how long does it take for them to pop up?i havent gotten no alerts of my Hard pulls from yesterday
What credit monitoring service do you use? Some detect changes and send alerts faster than others.

usaa and experian

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 02:25:20 GMT

@SnackTrader wrote:
Also, there are three major credit bureaus, so unless you are checking all three you will likely miss some INQs because banks may pull only one of the three.

Make sure you are checking EX, EQ, and TU to see all INQs.

both usaa and experian membership show all three

Re: stupid question about HARD INQ'S

mojobones89 — Mon, 25 Mar 2013 02:25:54 GMT

agreed,but even when i did refresh my reports they didnt show the other apps....