Oh no - All Inquiries on TU are BACK!

[Imhotrodcrazy]

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@haulingthescoreup wrote:

For those who had inqs re-appear, how many were from April 2009 or later? And how many of you definitely had your FICO TU score (not TrueCredit, not your score directly from TU, not your score from CCT, etc etc) drop?

I have always seen a score increase on my TU FICO increase when an inq went over a year. And Lord knows, they haven't updated the formula.

In most cases, a score change is due to something else that might not have registered on you. For the poster above who had before-and-after TU scores that were only 2 weeks apart, you might want to call myFICO Customer Service and see if they can figure out what happened. When you look at the older report and the newer report, check screen two with the positive and negative factors. Have the negative factors changed in order?

Phone:
1-800-319-4433
Mon-Fri 6am to 6pm PST
Sat 7am to 4pm PST

I'm baffled as to why >1 year old inqs are displaying on myFICO reports. myFICO traditionally hasn't displayed them, as they are ignored for scoring.

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HTSU,

Thanks for the heads up and the number you provided.  I will see what I can find out, if anything.  It seems a shame that  we have to  take  a second hit on old inquiries being put back on our reports.  I sure didn't get a 12 point increase when the 2 old inquiries dropped off at the same time.  Nothing has changed on my reports other than the reappearance of the old inquiries resulting in a 12 point drop in score.  The oldest being 17 months and the other being 14 months.  They are the only inquiries on my TU report.   

[Anonymous]

Food for thought. TU may have recently updated their FICO scoring model then triggered a process to recalculate scores. If so, the new model may delve far enough into one's historical activity that it has caused these inquiries to resurface.

[Anonymous]

This happened to me as well!!! :-( I had zero inq, then I app'd for mortgage. So, then I only had 1. This 4/21/10. I checked my CCT everyday since then...still only 1 inq. I checked my CCT today, and I have 16 inq!!!!!!!!!!! I am crushed! So glad that I didn't wait until May 10, 2010 to do the pre-qualification. That would have be a nightmare. My LO says that my CR is good for 90 days, so hopefully they won't need to check it again!!

[smallfry]

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@Anonymous wrote:
Food for thought. TU may have recently updated their FICO scoring model then triggered a process to recalculate scores. If so, the new model may delve far enough into one's historical activity that it has caused these inquiries to resurface.

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They were always there. You just couldn't see them. 

[Anonymous]

How many people who have transunion inquiries come back on there reports use ONE or MORE credit monitoring services?

How many of you pull your credit daily?

mmmmm

[daisyduke]

I was using three services but last week, I decided to cut out Equifax gold watch. I am down to using only two services now - True Credit and CCT.

Also, both CCT and TC never sent me alerts with the inquiries popping back up. I pull every day usually. Not much changes, but I'm generally looking for fraudulent addresses and things of that nature.

As SmallFry said, they may have always been there (supressed), but I don't think FICO knew they were there....

I'm still pullin however!

[Anonymous]

I don't they were always there but supressed.

I too pull daily reports using CCT and only recently started using True Credit but will be cancelling that one.

You'd be surprised the affects that daily pulling has on your inquiries 

I don't want to discuss anything that the moderators might find against policy

but in my opinion, everyone has inquiries removed from transunion either

1) knows why they were removed

2) not intentionally removed them

However I do think they will be removed again, its just a matter of time and consistency. 

[MarineVietVet]

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@Anonymous wrote:

I don't they were always there but supressed.

I too pull daily reports using CCT and only recently started using True Credit but will be cancelling that one.

You'd be surprised the affects that daily pulling has on your inquiries 

I don't want to discuss anything that the moderators might find against policy

but in my opinion, everyone has inquiries removed from transunion either

1) knows why they were removed

2) not intentionally removed them

However I do think they will be removed again, its just a matter of time and consistency. 

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Could you please explain this further? I have no idea what you are trying to say.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

[Anonymous]

Of course they were always there. The crux of my point is that something happened to cause numerous people to have old inquiries suddenly resurface on their TU reports. It sounds like TU has done something to trigger these events. Perhaps it's as harmless as TU revising their reporting matrix. Maybe older items were rolling into history too soon, so they finally got around to fixing the problem. Or the culprit may be the implementation of an newer FICO scoring model. If it's the latter then one wonders what could be the extent of the changes. Are these the only change consumers will see, or are there more changes yet to surface, and what affects could they have on (unsuspecting) consumers. Or it might be people are being unnecessarily alarmed. It could be a myriad of things. Ultimately if people are being dinged for multiple inquiries, they have no one to be disappointed with but themselves since they authorized the inquiries and all TU is doing is reporting the activity. If that's the case, people are making a needlessly making fuss over nothing.