Equifax - Unusual Happenings

[unusuallyconfused]

Anybody have experience with this and can provide an answer?

NOTE: Because this situation actually favors me, NO I will not contact Equifax...

Bottom line: I had 10 hard inquiries on my EQUIFAX credit file - all of those from February & March 2013. 

Today, I was printing out my monthly credit file stuff from the USAA/Experian credit monitoring thing and noticed that my Equifax hard inquires went from 10 to 3...

...7 recent, hard inquiries are missing.

Yes, my Equifax FICO score did go up by 14 points because of this.

I checked back to my June 1, 2013 reports: inquires missing.

Then I checked May's credit files: turns out the 7 hard inquries vanished on May 21, 2013 and have not returned since - I just didn't notice because inquires aren't something that I check daily (because I know I didn't make any!).

Anybody have something like this happen? 

Again, no, I'm asking you guys because I obviously don't want to bring this up with Equifax because, again, the situation favors me. Whether it's temporary or not, I don't know.

Let me know! Thanks...

[NonSufficientFunds]

Ancient Proverb: "If it aint broke - don't fix it" 

[enharu]

In most scenarios it is temporary. It should be back within 2-3 weeks.

There were some people experienced this as well and tried apply for new credit right away. The lender's version of the CR showed all the inquiries however so some were quite shocked and confused.

YMMV though. You might just get away with it.

[unusuallyconfused]

What I DON'T plan on doing is applying for any more credit. I'm in the garden and sticking to it.

Maybe it's a system clitch or something else, who knows?

As said, I'm wondering if i'm the only one or has this happened to others and what were their results??

And yeah for sure: "if it ain't broke don't fix it" LOL ...but I still gotta ask!

[enharu]

This is known as bumpage. Did any of your old closed accounts fall off? If everything else is looking good, don't worry about it

[unusuallyconfused]

I only have 2 "old", positive, closed credit accounts that are both currently 9.7 years old. They're still on there and showing. Other than the inquires - nothing on my report was added or deleted...

So the oldest account age is that, 9.7 and the "average account age" is 1.7 years (due to the fact that ALL of my current credit accounts are from Feb/March of this year).

[enharu]

As long as everything else is looking good, don't worry about it

Keep a lookout over the next few weeks to be on the safe side, because bumpage sometimes result in old accounts falling off

[unusuallyconfused]

Thanks for informing me of the term "bumpage" - for sure I'll keep an eye on it daily to see if and when (?) they pop back up again otherwise like you say I won't worry about it specifically because I don't plan on applying for new credit because my inquires have gone "down"...

[RSCo]

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@unusuallyconfused wrote:

Anybody have experience with this and can provide an answer?

NOTE: Because this situation actually favors me, NO I will not contact Equifax...

Bottom line: I had 10 hard inquiries on my EQUIFAX credit file - all of those from February & March 2013. 

Today, I was printing out my monthly credit file stuff from the USAA/Experian credit monitoring thing and noticed that my Equifax hard inquires went from 10 to 3...

...7 recent, hard inquiries are missing.

Yes, my Equifax FICO score did go up by 14 points because of this.

I checked back to my June 1, 2013 reports: inquires missing.

Then I checked May's credit files: turns out the 7 hard inquiries vanished on May 21, 2013 and have not returned since - I just didn't notice because inquires aren't something that I check daily (because I know I didn't make any!).

Anybody have something like this happen? 

Again, no, I'm asking you guys because I obviously don't want to bring this up with Equifax because, again, the situation favors me. Whether it's temporary or not, I don't know.

Let me know! Thanks...

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did you happen to check your report right on Equifaxs site?  Could be a sw bug on USAAs side where they are not properly displaying the info and instead may be truncating the data coming back from Equifax.. If you also see this directly on the EQ site, then yeah, it's EQ for sure.. All these monitoring sites do is make a call to the associated CB and display the data back to you... Good luck 

[unusuallyconfused]

At your suggestion, I actually just went to Equifax's site and looked at a copy of my Equifax report there (what I did was use a 10 digit confirmation number from a previous Equifax report, logged into the "file a dispute" area and got to see today's copy of my Equifax report):

So, did that and sure enough, all the inquires are missing there, too. 

And for what it's worth, I made a huge mistake:

I actually had 16 hard inquries (not 10 like I thought). So 13 recent hard inquires vanished leaving me with only 3 hard inquriries.

So yeah, what I see at the USAA credit monitoring matches totally with what's directly on Equifax's site, too. Interesting....