|TCL: $306,100||Utiliz: 6%||AAoA: 5yrs 2m||Other: Lease, Loan, *No Mortgage||Collections-Lates-BK's: 0|
I had something weird where two TU inquires that are due to expire this month vanished in April. Then they came back a week later. It was like they were messing with me with a mini R*.
Seems to be a common theme around here with TU lately. There are guys that have reported having 15+ inquiries on TU and all of them vanish for a month or two then come back. When you're talking that many inquiries, it can yo-yo your score a bit.
Mine seem to fall off differently with each bureau, but by the end of the month.
Thanks again all. My EQ and Tu hard pulls fell off on the exact day for 2 years, just verified it.
The FCRA does not regulate the exclusion/deletion of inquiries from consumer credit reports.
The deletion is purely an administrative determination by each CRA, and can happen earlier or later, purely at the discretion of the CRA.
If inquries are not deleted after two years, the best one can do is contact the CRA with an informal request for their removal.
There is no formal basis for requiring removal.