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Hard pull question

06GTS197
Valued Member

Hard pull question

It was my understanding that hard pulls stayed on your credit report for 2 years.  I recenty got a new 3B Report from myfico and all the inquiries from an app spree last year are now gone.  Its only been 12 months.  

 

Are they gone from my report and if not why isn't myfico showning the inquiries?


Message 1 of 5
4 REPLIES 4
Musiclover
Super Contributor

Re: Hard pull question

I don't have a clue. However, TransUnion temporarily deleted all the inquiries on some of the member's accounts (for a month or so for me) - then they came back. Other than that, I don't know what to think.


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Message 2 of 5
Irish80
Moderator Emeritus

Re: Hard pull question


@06GTS197 wrote:

It was my understanding that hard pulls stayed on your credit report for 2 years.  I recenty got a new 3B Report from myfico and all the inquiries from an app spree last year are now gone.  Its only been 12 months.  

 

Are they gone from my report and if not why isn't myfico showning the inquiries?


The 3B report only shows inquiries within the last year because only those affect your scores.  The inquiry if within 2 years is still on your report and can be seen by creditors looking at your reports.

Message 3 of 5
RonM21
Valued Contributor

Re: Hard pull question


@Irish80 wrote:

@06GTS197 wrote:

It was my understanding that hard pulls stayed on your credit report for 2 years.  I recenty got a new 3B Report from myfico and all the inquiries from an app spree last year are now gone.  Its only been 12 months.  

 

Are they gone from my report and if not why isn't myfico showning the inquiries?


The 3B report only shows inquiries within the last year because only those affect your scores.  The inquiry if within 2 years is still on your report and can be seen by creditors looking at your reports.


Agree. I'm pretty sure this is the reason myfico does this.  It is likely if you pull your actual reports, they are all still there.

                

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Message 4 of 5
takeshi74
Senior Contributor

Re: Hard pull question


@06GTS197 wrote:

Are they gone from my report and if not why isn't myfico showning the inquiries?


The CRA's are the official record keepers of your reports.  If ever in doubt then pull your reports directly from the CRA's to confirm.

Message 5 of 5
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