Inquiries....vanished?

followgreatness · ‎06-14-2019

I pulled my most recent credit report for this month and noticed, compared to previous months, all of my inquries except for one did not show on all three bureaus.

I had an inquiry as recent as April for an apartment and other inquiries from BofA 02/2018 and none of them showed up. Am I to believe they are not there or are they not showing for some reason?

800FICOGoal · ‎06-15-2019

@followgreatness wrote:
Am I to believe they are not there....?

Wow!!! If that's the case, buy a lotto ticket.

Rebuild Cards

Goal Cards

Loans

followgreatness · ‎06-15-2019

Right?! Its so strange and unlike myfico!

Anonymous · ‎06-15-2019

It sounds like you’re looking for softpulls on a third-party CMS. If it’s soft pulls, you’re only going to see it on the annual credit report.com credit report or one directly from the credit bureau’s. Any third-party CMS credit reports will not have them. What kind of inquiries were they that disappeared?

FireMedic1 · ‎06-16-2019

Dont know about the Apt pull. But the BoA aged off. As you posted 02/2018. FICO drops inq's after 1 year but it stays on your report for 2 yrs.

Anonymous · ‎06-16-2019

If I understood OP correctly, he said they aren’t showing on his credit report, not that they are not scoreable.

Is that correct OP or am I misunderstanding?

Revelate · ‎06-16-2019

myFICO won't show inquiries older than a year. It's just a CMS quirk, FICO Consumer right or wrong made the choice to suppress certain information and inquiries which aren't scoreable (those older than a year) are part of that.

I don't have any issue with inquiries that aren't being counted not being displayed personally.

Anonymous · ‎06-16-2019

Interesting I had not noticed that quirk. Good information as always.

followgreatness · ‎06-17-2019

I think it is because of my inquiries have aged longer than year, therefore are not showing. What is strange is that I do not see my apartment credit check. I assume FICO it is only showing me my cc/loan hp's

@Anonymous wrote:
Interesting I had not noticed that quirk. Good information as always.

Anonymous · ‎06-17-2019

Yes most likely your apartment pull was a soft pull and is therefore not gonna be displayed except directly from the bureau or annual credit report.com.