Inquiries' one-year anniversaries on myFICO reports

[Anonymous]

Does anyone know if an inquiry from July 27, 2007 will have dropped from a myFICO report by July 27, 2008, or will I have to wait until July 28 to see it drop?

I understand it still displays on full reports for two years from the date of the inquiry, but I'm asking specifically about myFICO reports.  Thanks in advance to anyone who knows.

[Anonymous]

I had a Wamu inq that was due to turn a year old on July 23rd on EX.  Sure enough, when I pulled on the 24th, it was gone.

HTH-

[Anonymous]

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WhirledPeasPlease wrote:

I had a Wamu inq that was due to turn a year old on July 23rd on EX.  Sure enough, when I pulled on the 24th, it was gone.

HTH-

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Thanks, Peas!  I'm wondering, though, if it would have been gone if you had pulled on July 23.  My inquiry is from July 27, 2007, but I don't know if it will be gone on Sunday (the 27th) or if I need to wait until Monday (the 28th).

[Anonymous]

Sorry, I guess I didn't read it very closely.  A-whoops!

[Anonymous]

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WhirledPeasPlease wrote:

Sorry, I guess I didn't read it very closely.  A-whoops!

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No worries.

[haulingthescoreup]

Mine was gone on the exact anniversary, which would make sense. July 27, 2007 to July 26, 2008 would be one year, and July 27, 2008 would start a new year.

You seem a bit antsy about this, lol. Going hunting again?

[Anonymous]

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haulingthescoreup wrote:
Mine was gone on the exact anniversary, which would make sense. July 27, 2007 to July 26, 2008 would be one year, and July 27, 2008 would start a new year.

You seem a bit antsy about this, lol. Going hunting again?

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Thanks, HTSU.  Nah, I'm not going hunting.   The inquiry that just turned a year old is a WaMu inquiry from when they denied me last year.  In the meantime, I have a new WaMu inquiry from April of this year when they approved me.  I'm considering testing out the "same creditor deduplication" theory to see what happens when one drops but the other stays.

[Anonymous]

With this example- the 2nd INQ was de-dulicated, but now that the 1st INQ has gone 1 YO, the April INQ is being counted in scoring.

IF you would have asked the question like this I would have had an example-  My Delta INQ just turned 1 YO, no score change.

 

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cheddar wrote:

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haulingthescoreup wrote:
Mine was gone on the exact anniversary, which would make sense. July 27, 2007 to July 26, 2008 would be one year, and July 27, 2008 would start a new year.

You seem a bit antsy about this, lol. Going hunting again?

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Thanks, HTSU.  Nah, I'm not going hunting.   The inquiry that just turned a year old is a WaMu inquiry from when they denied me last year.  In the meantime, I have a new WaMu inquiry from April of this year when they approved me.  I'm considering testing out the "same creditor deduplication" theory to see what happens when one drops but the other stays.

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[Anonymous]

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Timothy wrote:

With this example- the 2nd INQ was de-dulicated, but now that the 1st INQ has gone 1 YO, the April INQ is being counted in scoring.

IF you would have asked the question like this I would have had an example-  My Delta INQ just turned 1 YO, no score change.

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I appreciate the input, Timothy, and I know we've discussed it before.  I just wanted to see it for myself.

BTW, I went ahead and pulled EX today (July 27, 2008), and the INQ from July 27, 2007 is still displaying.  So I did have to wait until July 28 after all.  Arrrrgh!

[Anonymous]

Yep, I had an Inq. dated 7/26/007, pulled EQ today and its gone. I even gained a whopping 2 whole points!

Message Edited by going2tdc on 07-27-2008 04:09 PM