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USAA-CCMP vs Annualcreditreport.com credit inquiries

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roshan
Contributor

USAA-CCMP vs Annualcreditreport.com credit inquiries

hi myfico

 

I pulled my free Annualcreditreport for EX on 06/15/13.  On this report it shows i have 5 Hard inquiries. 1 in 2012 and 4 in 2013.

 

Today i signed up for USAA-CCMP and pulled EX from them.  And on this report is shows i have 8 Hard inquires.  4 in 2012 and 4 in 2013

Also in april i pulled my Quizzle EX report.. it showed me 8 HPs on it.

 

So i am confused now that which report is true?? and when lenders pull my report what they will see 5 or 8 HPs??

 

FYI..8 HPs on USAA are all correct. They all are pulled for mortgage and CCs. The ACR is not showing any mortgage pulls from 2012. only CCs HPs.

 

So i am guessing ACR is showing false information to me and USAA is showing correct?? 

And how many inquires will Lenders see on my report??

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1 REPLY 1
llecs
Moderator Emeritus

Re: USAA-CCMP vs Annualcreditreport.com credit inquiries

All 8 should be showing. *scratches head*

 

Now I wouldn't worry too much. I might be mistaken, but it seems like my tri-merge via CBCInnovis for my mortgage loan only showed inquiries for the last year. I definitely had only one inquiry on there and thought there were some from the prev. year. In any case, lenders have different standards. Most ignore all inquiries outside a year. Some ignored my inquiries outside 6 months. I doubt your lender would care if they saw three extra inquiries (or not). FICO ignores all inquiries older than a year so your EX report from myFICO would only show 4.

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