Questions about Inquiries and Account Reviews

[Anonymous]

Thank you so much Irish! My curiosity got the better of me, so I did a little research. All I can say is wow! Here I really thought that the whole reason those inquiries weren't showing was because TU only counted inquiries made within the last 6 months - guess I was way off  Anyway, thank you so much for clearing that up for me!

[Anonymous]

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@Anonymous wrote:

Thank you so much Irish! My curiosity got the better of me, so I did a little research. All I can say is wow! Here I really thought that the whole reason those inquiries weren't showing was because TU only counted inquiries made within the last 6 months - guess I was way off  Anyway, thank you so much for clearing that up for me!

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Good that you researched.  The whole issue was big for a long time for the reasons you discovered.    It also involved EQ but they just stopped it completely and inquiries weren't added back on unlike TU.  Any creditor looking at your file from an SP will see that they're old inquiries so none of them are going to take any kind of AA against you.

[Anonymous]

Man that is crazy same thing happened to me. I have both myfico credit monitoring and TU monitoring. A few days ago I logged on and saw 14 inquiries on my report which is correct and that 14 inquiries all came from 2015 so it was recent inquiries. I log on the next day I see 3 inquiries I had some dental issues and needed a card with 0% introductory Apr. So I applied for the Quicksilver Visa platinum and was approved. I was wary because my fico scores ranged from 662-695. Perfect $3K I celebrated and created a thread on this forum upon my first prime card approval.

Next morning I logged on TU refreshed my score and there 15 inquiries(adding capital one) right back and a 12 point drop.

[Anonymous]

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@Anonymous wrote:
Man that is crazy same thing happened to me. I have both myfico credit monitoring and TU monitoring. A few days ago I logged on and saw 14 inquiries on my report which is correct and that 14 inquiries all came from 2015 so it was recent inquiries. I log on the next day I see 3 inquiries I had some dental issues and needed a card with 0% introductory Apr. So I applied for the Quicksilver Visa platinum and was approved. I was wary because my fico scores ranged from 662-695. Perfect $3K I celebrated and created a thread on this forum upon my first prime card approval.

Next morning I logged on TU refreshed my score and there 15 inquiries(adding capital one) right back and a 12 point drop.

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That does suck. My inquiries had actually not been showing at all since last fall, so is was quite a shock to see 10 hit my report all of the sudden. That's weird that we both had a 12 point drop in scores too. I guess at least we got our apps in at just the right time.. lol.

[Anonymous]

Exactly justme3 according to TU they have some glitch in that system of theirs that's fine by me at least my gardening is reduced by 6 months.

[taxi818]

Well this is  a shady topic and i don't want to get too deep into it. But basically because you have so many monitoring services. This is what happens and why you thought it only monitored in the last 6 months. What happened to you has a certain name for it that i will not discuss here in open forum. But it appears when you saw all the inquiries return on Ck that was called reinsertion. If you truly want the details and im not advocating anything here. Just send me a PM. and i will explain what actually happened.

[Anonymous]

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@taxi818 wrote:

Well this is  a shady topic and i don't want to get too deep into it. But basically because you have so many monitoring services. This is what happens and why you thought it only monitored in the last 6 months. What happened to you has a certain name for it that i will not discuss here in open forum. But it appears when you saw all the inquiries return on Ck that was called reinsertion. If you truly want the details and im not advocating anything here. Just send me a PM. and i will explain what actually happened.

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Thanks Taxi. I actually researched it after Irish's comment. I had no idea about it prior. I think the thing that still confuses me is that whenever I pulled a hard copy of my TU report either from annualcreditreport.com or directly from TU, ALL of those inquiries were showing, they just wouldn't show up on anything else other than the hard copy. So it's not like those 10 inquiries were ever removed from my credit report and then reinserted, it's just that for whatever reason, those inquiries could not be detected by any credit monitoring service that I have. Until today that is.

[taxi818]

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@Anonymous wrote:

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@taxi818 wrote:

Well this is  a shady topic and i don't want to get too deep into it. But basically because you have so many monitoring services. This is what happens and why you thought it only monitored in the last 6 months. What happened to you has a certain name for it that i will not discuss here in open forum. But it appears when you saw all the inquiries return on Ck that was called reinsertion. If you truly want the details and im not advocating anything here. Just send me a PM. and i will explain what actually happened.

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Thanks Taxi. I actually researched it after Irish's comment. I had no idea about it prior. I think the thing that still confuses me is that whenever I pulled a hard copy of my TU report either from annualcreditreport.com or directly from TU, ALL of those inquiries were showing, they just wouldn't show up on anything else other than the hard copy. So it's not like those 10 inquiries were ever removed from my credit report and then reinserted, it's just that for whatever reason, those inquiries could not be detected by any credit monitoring service that I have. Until today that is.

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There is a lot of false info out there about it. and as i said im not advocating anything. The reason you are all over the board with the inqs is that you have to understand the ramifications of constantly pulling your own credit even on those Credit monitoring sites and that is what i was going to bring to your attention. If it says once a week on ck. there is no need to go to another. As this also can have many negative impacts on your report in general.  The key is truly understanding all aspects of the problem. good and bad. And if you ever want info. let me know.Edit. that is also wrong what you said about all those were still there. What you saw at that point is the same that you would see if you look at all your softpulls. Only you the consumer can see that. No actual lenders can see that once it is gone. as i said. If it came to CK. after some length of time. That is called reinsertion and it happens at specific dates you can also google past and future dates of that. Don't get so involved in it is best. things will take care of them selves. As when inquiries are 6 months old. They lose their punch. And no affect what so ever after 12. even though they are visible to lenders up to 24 months. But not always. some will just fall off before then.

[Anonymous]

Thank you Taxi. I honestly had no idea anything bad could come from monitoring your own credit reports. The reason I subscibed to myFico was because I wanted to track all of my real Fico scores, and the reason I keep CK and CS active is because they tend to alert me to changes faster than myFico does. Plus I love CK,  it allows me to see both TU and EQ reports every week, as opposed to once a year. What I'm hoping is that TU has finally fixed whatever issue they were having, because I'd really hate to have to let go of myFico, CK, and CS over a bug in TU's system. 

And on a side note, Synchrony SPs my TU almost as much as CK and myFico does. It's crazy.

[taxi818]

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@Anonymous wrote:

Thank you Taxi. I honestly had no idea anything bad could come from monitoring your own credit reports. The reason I subscibed to myFico was because I wanted to track all of my real Fico scores, and the reason I keep CK and CS active is because they tend to alert me to changes faster than myFico does. Plus I love CK,  it allows me to see both TU and EQ reports every week, as opposed to once a year. What I'm hoping is that TU has finally fixed whatever issue they were having, because I'd really hate to have to let go of myFico, CK, and CS over a bug in TU's system. 

And on a side note, Synchrony SPs my TU almost as much as CK and myFico does. It's crazy.

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Banks and lenders can do that.
This is not what causes the problems. Ck is fine as well as CS. that is also not waht causes the problems. The problem is the daily pullers. and most of them will cause problems. There is no fix for transunion as this has been going on for over 10 years. As i said. There is no need to speculate and if you want the Hard Cold facts. Give me a Pm. im not going to say anything i would not say in public. But i will you actually what you are doing that is really causing the problem. And beleive me. I do know what im talking about. So montinring is one thing . And then there are other things that is just not helping. Problems could be several fold. But all of that is based on Self monitoring. Not what other lenders do, Such as Sp's