topic Re: Transunion inquiries in General Credit Topics

Transunion inquiries

Anonymous — Wed, 30 Sep 2015 01:38:10 GMT

I have had 7 inquires fall off my TU file the past month. 2 came back on last week, but then were removed again today. Has anyone else had this happen?

The inquires that fell off are only 4-6 months old

Re: Transunion inquiries

Anonymous — Wed, 30 Sep 2015 01:40:37 GMT

i have seen it. they came back on that persons profile. they fell off prematurely

Re: Transunion inquiries

tntexans72 — Wed, 30 Sep 2015 03:30:11 GMT

@Anonymous wrote:
I have had 7 inquires fall off my TU file the past month. 2 came back on last week, but then were removed again today. Has anyone else had this happen?

The inquires that fell off are only 4-6 months old

Was there an impact on your score? If my inquiries falls off I will personally send TU a Xmas card ha!

Re: Transunion inquiries

ddemari — Wed, 30 Sep 2015 03:38:54 GMT

It happens to me a lot. Less so now, but last year TU inquiries would fall off fast then months later all reappear and slowly go away. Now when I app for something, 2-3 fall off sometimeS.

Re: Transunion inquiries

Anonymous — Wed, 30 Sep 2015 03:53:55 GMT

I have 23 Inquires, so a few here and there only cause a couple point swing.

Re: Transunion inquiries

woodyman100 — Wed, 30 Sep 2015 10:05:06 GMT

Shhhhhh

Re: Transunion inquiries

Anonymous — Wed, 30 Sep 2015 10:55:45 GMT

@woodyman100 wrote:
Shhhhhh

Re: Transunion inquiries

Anonymous — Wed, 30 Sep 2015 21:46:41 GMT

There's a thread around here somewhere about this. Apparently a ton of people saw the vanishing / reappearing INQ thing with TU.

Re: Transunion inquiries

Anonymous — Fri, 02 Oct 2015 17:06:01 GMT

Same thing here, however they haven't reappeared. I've had 6 fall off from the end of July. I thought it was weird but hey, I'm not going to call them up & ask why either!

Re: Transunion inquiries

RobertEG — Fri, 02 Oct 2015 21:00:18 GMT

If they are more than a year old, they are no longer being counted in scoring, sot the only effect would be questions upon a manual review.

Credit inquiries number in the millions per month. It would not be too surprising if programming caused a few glitches here and there regarding their date of removal.

The two-year removal policy is purely admiinistrative on the part of the CRAs, and thus raises no staturtory exclusion issues such as with late exclusion of derogs.

The CRAs are thus not in any violation if they are included or reinserted past the two year mark. It is background noise.

Re: Transunion inquiries

Anonymous — Sat, 03 Oct 2015 00:31:51 GMT

I had all 12 disappear, over about one year they went off and on, off and on, until one day they went on again, and never came off 😔
It was nice while it lasted though, they are legitimate and should've stayed on in the first place.

I should've done an app spree when they first came off, but I didn't know better. However, theyre all over a year old now and ive only had one in the past year.

I think tu is fixing it so they'll never come off again unfortunately. I thought I read that somewhere...

Re: Transunion inquiries

Anonymous — Sat, 03 Oct 2015 18:38:27 GMT

Every time I pull a Transunion report just say from CCT or myFICO it shows 0 inquires. When I go through the backdoor on Transunion all my inquires are there. Some inquires haven't approached a year. The oddity!