Losing Faith In Experian

[Iusedtolurk]

Here's the update for data points as promised.

The inquiry of 2-6-18 reaching 25 months yesterday and also today being the first Saturday of the month Experian did indeed drop it off credit report today.

Appears to be a definitely reliable data point concerning inquiries dropping off Experian.

[Anonymous]

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@Iusedtolurk wrote:

Here's the update for data points as promised.

The inquiry of 2-6-18 reaching 25 months yesterday and also today being the first Saturday of the month Experian did indeed drop it off credit report today.

Appears to be a definitely reliable data point concerning inquiries dropping off Experian.

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That's great. However, my inquiries that have removal dates of 2/4 and 3/2 are still on my report as of right now.

Did your score change? Like, even by a point? Just curious.  

[Iusedtolurk]

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@Anonymous wrote:

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@Iusedtolurk wrote:

Here's the update for data points as promised.

The inquiry of 2-6-18 reaching 25 months yesterday and also today being the first Saturday of the month Experian did indeed drop it off credit report today.

Appears to be a definitely reliable data point concerning inquiries dropping off Experian.

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That's great. However, my inquiries that have removal dates of 2/4 and 3/2 are still on my report as of right now.

Did your score change? Like, even by a point? Just curious.  

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Seems like your 2-4-2018 inquiry should have definitely dropped off today (maybe by tomorrow?), The 3-2-18 should drop off  4-4-2020.

No change to my score at all. Dropped from 5 inquiries to 4.

[Remedios]

Delayed inq removal on EX is really irrelevant for couple of reasons.

First one is, if there were any points to be recovered, that happened when inquiry reached a year.  There is no reward for inquiries reaching two years. 

Second reason, when CR is pulled, on the lenders end parameters are set in bulk *Total number of inquiries* followed by  inquiries in time increments if the want the breakdown such as *Inq in last 3 months*, *six months* etc.

They pick the how they want them broken down (and if they want them broken down) but do not go past two years.

So those inquiries on EX that are older than two years are just swept up in the corner, awaiting clean up. Unsightly, but doing no harm. 

[Anonymous]

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@Remedios wrote:

Delayed inq removal on EX is really irrelevant for couple of reasons.

First one is, if there were any points to be recovered, that happened when inquiry reached a year.  There is no reward for inquiries reaching two years. 

Second reason, when CR is pulled, on the lenders end parameters are set in bulk *Total number of inquiries* followed by  inquiries in time increments if the want the breakdown such as *Inq in last 3 months*, *six months* etc.

They pick the how they want them broken down (and if they want them broken down) but do not go past two years.

So those inquiries on EX that are older than two years are just swept up in the corner, awaiting clean up. Unsightly, but doing no harm. 

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Finally.  An actual answer.  Thank you.