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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??
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.