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EX hard inquiry not displayed in MF 3B

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Super Contributor

EX hard inquiry not displayed in MF 3B

So I’ve pulled numerous 3Bs since May, but a particular credit union hard inquiry from May 2019 fails to show.

Any ideas? Customer service so far has not been able to produce an answer.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
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Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


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(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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Established Contributor

Re: EX hard inquiry not displayed in MF 3B

I have one like that on my EX report.

 

My Nusenda Credit Union VISA HP from 12-03-18 shows up correctly on websites such as ExperianIDWorks and couple of others that I get thru free monitoring. But when I have pulled my actual 3B report, it's not on there. It doesn't even exist.

 

I have read some of your other threads and I know you are doing some algorithm testing with your file, so I get that you want an accurate file. But as for me, I personally don't care if it's not showing. If it was showing as multiple pulls, than I would probably care. But if EX wants to delete or not report my HP's, they can knock themselves out for all I care.

    EQ=841        TU=834         EX=834      INQ=0/0/0     UTIL=1%        AZEO


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Valued Contributor

Re: EX hard inquiry not displayed in MF 3B


@Birdman7 wrote:
So I’ve pulled numerous 3Bs since May, but a particular credit union hard inquiry from May 2019 fails to show.

Any ideas? Customer service so far has not been able to produce an answer.

MyFICO does intentionally filter the list of inquiries that it gets from the CRAs (to only the most recent 12-months, IE: FICO-scorable inquiries)... but one from May 2019 should still be showing (not a typo for May 2018, right?)

 

But since there is filtering in place, rather than showing the whole list, it is entirely possible they've got a bug in the filter.

 

You have checked that this inquiry is showing on other EX report sources, like ACR, credit.com, or directly with a free or paid Experian account?

 

If so, this would need to go to the UI team as a bug report...

 

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:809 TU4:789 EX2:819 - 2019-09-06
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