Inquires falling off

[babbles]

I know its been said inquires have less of an impact after a year but I just noticed that inquires right at a year old have fallen off my offical FICO reports.   I looked back at my last two archived reports to compare that's accurate.  Anyone noticed that too??

[Anonymous]

By your "official FICO reports" you probably mean the 3B report that comes with the myFICO Ultimate credit monitoring service (CMS).  That CMS chooses to show only those inquiries that are 364 days or less in age.  Your full credit reports, however, can be found at annualCreditReport.com.  There you will find inquiries up to 24 months in age.

Quite a few CMS's will show all your inquiries, rather than only the inquiries of the last 12 months.  Credit Karma shows you all your inquiries, for example.

The myFICO Ultimate omits all inquiries older than 12 months since FICO ignores those in its scoring models.  The designers of the Ultimate must have felt like it would be least confusing if they only showed the inquiries that affect their scores.

[babbles]

yes the 3B is what I should have referred to, I really don't pay any attention to any other reports, maybe I should.

[Anonymous]

All depends on what you want and what you feel like paying for.  Until a couple years ago there was no way to get all three reports for free every month.  Now there is.  FICO scores can be obtained for free too (or almost free).

On the other hand, I can see why people might like the Ultimate product.  I would certainly subscribe to it if I could get its scores and 3B report every month for $10 say.  But since it costs a lot more than that I don't get it except once every 18 months or so.

But that's just me and lots of people like paying for it.

[Anonymous]

Experian does the same on the summary page, "Iquiries in the last 12 months", but the inquiries are still there on the report itself

[RonM21]

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@Anonymous wrote:
Experian does the same on the summary page, "Iquiries in the last 12 months", but the inquiries are still there on the report itself

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I experienced this using a couple of other sites as well.  It must just be how they choose to give you the information. I prefer to still see them all just because I know that is what would be showing on my report if a lender pulls it.  

[Anonymous]

You always need to watch the fluff front-end software of many CMS's.  They can be extremely misleading.  My personal favorite is CK and how their Payment History graphic only takes into consideration the last 2 years when we all know that data is considered for at least 7.  Very misleading when someone has a CR littered with poor payment history 3-7 years ago, but nothing in the last 2 and the fluff front-end page says "100% on time payment history" suggesting that all is fine and well.

[babbles]

Thanks for the replies, @creditguyinDixie I rarely if ever go to annual credit report.com or KARMA because I didn't think lenders looked at those inquires.  Just wondering what lenders will see when viewing FICO or maybe they use other systems?  

[Anonymous]

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@babbles wrote:

@Anonymous for the replies, @Anonymous I rarely if ever go to annual credit report.com or KARMA because I didn't think lenders looked at those inquires.  Just wondering what lenders will see when viewing FICO or maybe they use other systems?  

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Lenders pull directly from the CRAs, they don't subscribe to monitoring services/CMS (like myFICO 3B Ultimate), they will see all inquiries within the last 24 months even though they're no longer scorable after 12 months, lenders will have the same report you would pull from AnnualCreditReport.com or directly from CRAs.