Credit Inquiries and 3B report??

[Shawndoe79]

Ok, so I am rather confused on the number of inquiries that myfico is reporting.  From the dashboard, if i click on reports and then inquiries, there are all the inquiries from the past 12 months, so I count them and get a total ( EQ 10, TU 11, EX 11).  However, from the dashboard if i click on Scores, then "amount of new credit" it tells you your most recent iquiries and total inquiries ( EQ 8, TU 4, EX 7) all less than the ones I hand counted.  Even if I group the auto loan inquiries as 1, the total is still off.  Anybody experience this?

[Anonymous]

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@Shawndoe79 wrote:

Ok, so I am rather confused on the number of inquiries that myfico is reporting.  From the dashboard, if i click on reports and then inquiries, there are all the inquiries from the past 12 months, so I count them and get a total ( EQ 10, TU 11, EX 11).  However, from the dashboard if i click on Scores, then "amount of new credit" it tells you your most recent iquiries and total inquiries ( EQ 8, TU 4, EX 7) all less than the ones I hand counted.  Even if I group the auto loan inquiries as 1, the total is still off.  Anybody experience this?

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This is purely a guess, but it is possible the second total under "amount of new credit" only list the credit inquiries that were approved (and therefore fall under "new credit") whereas the other total also include pulls that resulted in denials or possibly pulls that weren't actually for credit at all (for instance, some potential employers might pull your credit).

[Shawndoe79]

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@Anonymous wrote:

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@Shawndoe79 wrote:

Ok, so I am rather confused on the number of inquiries that myfico is reporting.  From the dashboard, if i click on reports and then inquiries, there are all the inquiries from the past 12 months, so I count them and get a total ( EQ 10, TU 11, EX 11).  However, from the dashboard if i click on Scores, then "amount of new credit" it tells you your most recent iquiries and total inquiries ( EQ 8, TU 4, EX 7) all less than the ones I hand counted.  Even if I group the auto loan inquiries as 1, the total is still off.  Anybody experience this?

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This is purely a guess, but it is possible the second total under "amount of new credit" only list the credit inquiries that were approved (and therefore fall under "new credit") whereas the other total also include pulls that resulted in denials or possibly pulls that weren't actually for credit at all (for instance, some potential employers might pull your credit).

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you might be right about only approvals are listed under "amount of new debt" but they were all for credit, nothing for employers.  I will do a recount as see if your theory is right

[Shawndoe79]

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@Anonymous wrote:

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@Shawndoe79 wrote:

Ok, so I am rather confused on the number of inquiries that myfico is reporting.  From the dashboard, if i click on reports and then inquiries, there are all the inquiries from the past 12 months, so I count them and get a total ( EQ 10, TU 11, EX 11).  However, from the dashboard if i click on Scores, then "amount of new credit" it tells you your most recent iquiries and total inquiries ( EQ 8, TU 4, EX 7) all less than the ones I hand counted.  Even if I group the auto loan inquiries as 1, the total is still off.  Anybody experience this?

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This is purely a guess, but it is possible the second total under "amount of new credit" only list the credit inquiries that were approved (and therefore fall under "new credit") whereas the other total also include pulls that resulted in denials or possibly pulls that weren't actually for credit at all (for instance, some potential employers might pull your credit).

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nope theory didnt pan out, oh well thanks for trying to help.

[olehammer]

Are they inquiries less than 6 months? Thus the "new" credit distinction.

[takeshi74]

I'm not familiar with the myFICO site but from what you're describing it sounds like the first is listing all inquiries on your reports and the second is listing inquiries with a scoring impact.  Don't just count the inquiries.  Consider the age of each inquiry.

[Shawndoe79]

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@olehammer wrote:
Are they inquiries less than 6 months? Thus the "new" credit distinction.

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nope, right under the number of inquiries, it states ("credit inquiries in the past year")

[Shawndoe79]

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@takeshi74 wrote:

I'm not familiar with the myFICO site but from what you're describing it sounds like the first is listing all inquiries on your reports and the second is listing inquiries with a scoring impact.  Don't just count the inquiries.  Consider the age of each inquiry.

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all the inquiries listed are from 3/15-12/15

[RobertEG]

Call Fair Isaac and ask them for an explanation.