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HP still reports after 2 years on Experian

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Patient957
Established Contributor

HP still reports after 2 years on Experian

IMG_20250905_070450.jpg

 

First, why is the removal date Sep 2025 instead of Aug 25, 2025?

 

And second, why is this still there today on Sept 5, 2025?

Message 1 of 5
4 REPLIES 4
Patient957
Established Contributor

Re: HP still reports after 2 years on Experian

Never mind, I found an old thread on the topic.

 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-does-experian-keep-inquiries-on-cred...

 

Apparently they get removed from EX the first Saturday of the month following the 2 year mark.  Weird, but okay, fine, whatever.

Message 2 of 5
coldfusion
Credit Mentor

Re: HP still reports after 2 years on Experian


@Patient957 wrote:

Never mind, I found an old thread on the topic.

 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-does-experian-keep-inquiries-on-cred...

 

Apparently they get removed from EX the first Saturday of the month following the 2 year mark.  Weird, but okay, fine, whatever.


Emperically they do the once-per-month bulk deletion on the 1st Saturday of each month unless that day is either the 1st or 2nd day of the month, on those months the purge is performed on the 2nd Saturday. 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 3 of 5
CreditCuriosity
Moderator Emeritus

Re: HP still reports after 2 years on Experian


@coldfusion wrote:

@Patient957 wrote:

Never mind, I found an old thread on the topic.

 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-does-experian-keep-inquiries-on-cred...

 

Apparently they get removed from EX the first Saturday of the month following the 2 year mark.  Weird, but okay, fine, whatever.


Emperically they do the once-per-month bulk deletion on the 1st Saturday of each month unless that day is either the 1st or 2nd day of the month, on those months the purge is performed on the 2nd Saturday. 


^Thid for experian.  Will be gone next weekend likely.

Message 4 of 5
Patient957
Established Contributor

Re: HP still reports after 2 years on Experian


@coldfusion wrote:

@Patient957 wrote:

Never mind, I found an old thread on the topic.

 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-does-experian-keep-inquiries-on-cred...

 

Apparently they get removed from EX the first Saturday of the month following the 2 year mark.  Weird, but okay, fine, whatever.


Emperically they do the once-per-month bulk deletion on the 1st Saturday of each month unless that day is either the 1st or 2nd day of the month, on those months the purge is performed on the 2nd Saturday. 


Well it's Saturday, and yep it's gone.

 

Good riddance Capital One triple pull!  Don't let the door hit you on the way out!

Message 5 of 5
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