Load of Crap!

[Anonymous]

I recently had two inquiries deleted from my credit report.

Today, they re appeared and my score dropped 10 points.

What a joke!

Oh wow, Mr. Customer has two inquiries, he's looking for credit. That must mean he is poor and can't pay his bills. Two inquiries, don't give this guy a mortgage, he'll surely file bankruptcy.

Geez!

Fair Isaac's risk model is costing companies billions. Average credit score 692, my ass.

I once had a job that required me to pull peoples credit all the time, I saw one 620 or better out of every 100 customers.

Ok, I'm done ranting. Stay focused, with hard work, determination, and patience, we will get there.

Message Edited by creditgotmedown on 04-16-2009 06:58 AM

[Anonymous]

Bummer, and yes, total crap. I'm confused how they could just jump back on your report though? Are they reporting the old pull date too? What report is this, Equifax?

[Anonymous]

Yep, they are reporting the original request date, over a year ago.

[fused]

I'm a bit confused. Inquiries more than one year old will only remain on your reports from the CRAs. Your FICO reports will not list inqs more than a year old, and they will not factor in FICO scoring. Was it a FAKO score that went down?

[Anonymous]

Yes, it was a fako change.

[ralbusta]

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@Anonymous wrote:

Yes, it was a fako change.

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Don't lose sleep over some made up score that doesn't mean anything.