topic Re: Inquiries....vanished? in General Credit Topics

Inquiries....vanished?

followgreatness — Sat, 15 Jun 2019 00:42:37 GMT

I pulled my most recent credit report for this month and noticed, compared to previous months, all of my inquries except for one did not show on all three bureaus.

I had an inquiry as recent as April for an apartment and other inquiries from BofA 02/2018 and none of them showed up. Am I to believe they are not there or are they not showing for some reason?

Re: Inquiries....vanished?

800FICOGoal — Sat, 15 Jun 2019 07:05:12 GMT

@followgreatness wrote:
Am I to believe they are not there....?

Wow!!! If that's the case, buy a lotto ticket.

Re: Inquiries....vanished?

followgreatness — Sun, 16 Jun 2019 03:51:09 GMT

Right?! Its so strange and unlike myfico!

Re: Inquiries....vanished?

Anonymous — Sun, 16 Jun 2019 06:00:59 GMT

It sounds like you’re looking for softpulls on a third-party CMS. If it’s soft pulls, you’re only going to see it on the annual credit report.com credit report or one directly from the credit bureau’s. Any third-party CMS credit reports will not have them. What kind of inquiries were they that disappeared?

Re: Inquiries....vanished?

FireMedic1 — Sun, 16 Jun 2019 08:56:14 GMT

Dont know about the Apt pull. But the BoA aged off. As you posted 02/2018. FICO drops inq's after 1 year but it stays on your report for 2 yrs.

Re: Inquiries....vanished?

Anonymous — Sun, 16 Jun 2019 14:39:22 GMT

If I understood OP correctly, he said they aren’t showing on his credit report, not that they are not scoreable.

Is that correct OP or am I misunderstanding?

Re: Inquiries....vanished?

Revelate — Sun, 16 Jun 2019 21:11:57 GMT

myFICO won't show inquiries older than a year. It's just a CMS quirk, FICO Consumer right or wrong made the choice to suppress certain information and inquiries which aren't scoreable (those older than a year) are part of that.

I don't have any issue with inquiries that aren't being counted not being displayed personally.

Re: Inquiries....vanished?

Anonymous — Mon, 17 Jun 2019 03:50:01 GMT

Interesting I had not noticed that quirk. Good information as always.

Re: Inquiries....vanished?

followgreatness — Tue, 18 Jun 2019 02:44:38 GMT

I think it is because of my inquiries have aged longer than year, therefore are not showing. What is strange is that I do not see my apartment credit check. I assume FICO it is only showing me my cc/loan hp's

@Anonymous wrote:
Interesting I had not noticed that quirk. Good information as always.

Re: Inquiries....vanished?

Anonymous — Tue, 18 Jun 2019 05:56:12 GMT

Yes most likely your apartment pull was a soft pull and is therefore not gonna be displayed except directly from the bureau or annual credit report.com.

Re: Inquiries....vanished?

Queen_Etherea — Tue, 18 Jun 2019 16:54:57 GMT

This happened to me as well. I got an email fron Nerd Wallet I think, saying they had updated my report, so I checked it and it said 2 inquiries had been removed. Both were from Synchrony for my PayPal MC and my PayPal Credit account. Don't know why they would randomly be removed, but I'm not really complaining! The inquiries were made late last year.

Re: Inquiries....vanished?

Anonymous — Tue, 18 Jun 2019 18:18:24 GMT

If that’s the case you are very very lucky.

Re: Inquiries....vanished?

Anonymous — Thu, 20 Jun 2019 20:09:00 GMT

Inquiries drop after 10 years.

Re: Inquiries....vanished?

FinStar — Thu, 20 Jun 2019 22:31:31 GMT

@Anonymous wrote:
Inquiries drop after 10 years.

Hello @Anonymous and welcome to the forums.

Unfortunately, the above statement is not accurate. HPs are typically removed after 2 years, not 10 years. They become unscorable after 1 year.

Re: Inquiries....vanished?

Anonymous — Tue, 25 Jun 2019 15:32:23 GMT

Thanks of the correction to a Newbie..