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Inquiries coming off before the 2 years?

belle6m2k
Regular Contributor

Inquiries coming off before the 2 years?

Hi Everyone, 

 

Check my most recent credit report and noticed the pulls from my car purchase in July 2018 are gone. They were the dealership and chase auto. Will the bureau's remove them before the 2 year anniversary? 

 

Did a huge rebuild and now have great scores but still not versed in some credit area . 

 

Thanks!

Message 1 of 9
8 REPLIES 8
Remedios
Moderator

Re: Inquiries coming off before the 2 years?

Which credit report shows them as removed?

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 2 of 9
belle6m2k
Regular Contributor

Re: Inquiries coming off before the 2 years?

Transunion. That's which one was pulled when I bought the carr. My FICO alerted me to a score increase which is why I went lookin . 

Message 3 of 9
corpcrmgr
Valued Contributor

Re: Inquiries coming off before the 2 years?

Never heard of it happening. Great luck for you!

Message 4 of 9
MrCreditInternational
Frequent Contributor

Re: Inquiries coming off before the 2 years?


@belle6m2k wrote:

Transunion. That's which one was pulled when I bought the carr. My FICO alerted me to a score increase which is why I went lookin . 


Inquiries are not calculated in your score after a year, but they will remain on your report for 2 years.

Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire (31.7k); Amex BBP (27k); B&H Payboo (25k); HSBC Premier WMC (14.5k); HSBC Advance (7.5k); Rakuten Visa (7.5k); HH Surpass (5k); Delta Gold (5k); Nordstrom Store (4k); Apple Card (2.75k)

Started collecting cards: Oct/2018
Inquiries: EX (11); TU (12); EQ (7)
Inquiries falling off!!!!!
Message 5 of 9
Trudy
Valued Contributor

Re: Inquiries coming off before the 2 years?


@belle6m2k wrote:

Hi Everyone, 

 

Check my most recent credit report and noticed the pulls from my car purchase in July 2018 are gone. They were the dealership and chase auto. Will the bureau's remove them before the 2 year anniversary? 

 

Did a huge rebuild and now have great scores but still not versed in some credit area . 

 

Thanks!


I've not seen INQ's removed early but I'm sure it could happen.  However, the increase is not related to this as MrCreditInternational states, it only impacts your score for 1 year although it stays on your report for 2.  You would've gotten those points back (if lost when hit) when the inquiry hit 1 year. 

FICO - 8: 03/11/21 AU 8 BC 8
FICO - 9: 03/11/21 AU 9 BC 9
F5,F4,F2 03/11/21 AU... BC...
Vantage 03/11/21
As of 03/01/21:
AoOA - 25Y0M | AoYA – 0Y4M | AAoA – 11Y10M
Open: 11 CC: (1 reporting 2.25% : 0.20% AGG UTL) | 1 PLOC | 1 MTG loan: 64.88% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 2/24 | (EX) 1/24
Message 6 of 9
Remedios
Moderator

Re: Inquiries coming off before the 2 years?


@belle6m2k wrote:

Transunion. That's which one was pulled when I bought the carr. My FICO alerted me to a score increase which is why I went lookin . 


A lot of places only show inquiries for a year, MyFico monitoring being one of them, but they are still present on your CR.

If yours truly got removed early, this is the first instance I've heard of CRA removing inq early without a reason. 

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 7 of 9
donotpassgo
Valued Member

Re: Inquiries coming off before the 2 years?

Dug my way back to this thread, after checking and confirming two early inquiry removals - both dropped from Transunion.

 

First dropped off around February, I thought the alert was a fluke or even a veiled type of marketing.

 

Second occurred last month; both confirmed removed when looking at actual report.

 

Strange - but I'll take it!

 

 

Message 8 of 9
belle6m2k
Regular Contributor

Re: Inquiries coming off before the 2 years?

Yes it was TransUnion. It was not scheduled to come off until July. It was removed in April so about 90 days early. 

Message 9 of 9
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