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Inquiries yet again...

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silly34
Regular Contributor

Inquiries yet again...

I have an account with True Credit, just updated the reports and found that TU, EX have my inquiries at 11 but EQ has it at 22.  I looked at the dates and the majority of the inquires are from 2006, shouldn't these have fallen off after a year?
 
B.
Message 1 of 7
6 REPLIES 6
niecey89
Frequent Contributor

Re: Inquiries yet again...

From what i have been reading, inquiries fall off after 2 years from the date of original inquiry
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED Smiley Happy ~
Message 2 of 7
Anonymous
Not applicable

Re: Inquiries yet again...

Yes- this is correct
1 year in scoring
2 years on report
 
EX has not done their Sept maint yet- I have 6 inq's from Aug 15th 2006 that need to go.

niecey89 wrote:
From what i have been reading, inquiries fall off after 2 years from the date of original inquiry



Message 3 of 7
Anonymous
Not applicable

Re: Inquiries yet again...

I have 26 from 2006. Hopefully when they go it will help some.
Message 4 of 7
athensguy
Valued Contributor

Re: Inquiries yet again...

EX keeps INQs for 25 months.
Message 5 of 7
haulingthescoreup
Moderator Emerita

Re: Inquiries yet again...

I'm pretty sure that my 2-year-old inqs fell off on their actual anniversary --on the 15th or whatever, not just the first of the month.

It's also on the actual day of the month that they stop counting after one year, again not just the first, so maybe that's the pattern for falling off as well.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 6 of 7
Anonymous
Not applicable

Re: Inquiries yet again...

My experience with EX is that they do their maintenance on the 1st Sunday of each month.
 
Try it now.   Pull EX by Saturday 9/6, then pull again on 9/8 (Monday).  Anything 2 years old will fall off, i.e. any inquiry with an Aug 06 date will fall off on Monday.
Message 7 of 7
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