WalletHub Weirdness

[GreatLife]

Hi All. I took a look at my info in WH and it accurately shows -1 for "No. of inquiries in last 6 months". However the category opened to a page with 8 removed inqs, of which 7 are from 2019 & 2020. On date Oct 26, 2020 are Credco, 2 companies I don't recall ever having directly applied or doing business (WF & Citizens One), and lender that financed my car which when purchased was the only hard pull shown on CRs. Included for year 2019 are 3 credit cards that I applied & opened. I'm confused why old inquiries were retained in a CR database, then leeched into WalletHub. Could the 7 inquiries be a combo of old soft + hard pulls? 

[AndySoCal]

@GreatLife If you bought home or refinanced a home etc the lender may have used Credcoto pull the credit reports. The same may be true for auto loans as well.

[CreditCuriosity]

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@AndySoCal wrote:

@GreatLife If you bought home or refinanced a home etc the lender may have used Credcoto pull the credit reports. The same may be true for auto loans as well.

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yep sounds like a tri-merge as recall credco as well for my mortgage

[GZG]

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@GreatLife wrote:

Hi All. I took a look at my info in WH and it accurately shows -1 for "No. of inquiries in last 6 months". However the category opened to a page with 8 removed inqs, of which 7 are from 2019 & 2020. On date Oct 26, 2020 are Credco, 2 companies I don't recall ever having directly applied or doing business (WF & Citizens One), and lender that financed my car which when purchased was the only hard pull shown on CRs. Included for year 2019 are 3 credit cards that I applied & opened. I'm confused why old inquiries were retained in a CR database, then leeched into WalletHub. Could the 7 inquiries be a combo of old soft + hard pulls? 

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wallethub showed me as having 13 inquires the other day, it's buggy, but they do save your old credit info so they can show you timelines and such

[GreatLife]

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@GZG wrote:

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@GreatLife wrote:

Hi All. I took a look at my info in WH and it accurately shows -1 for "No. of inquiries in last 6 months". However the category opened to a page with 8 removed inqs, of which 7 are from 2019 & 2020. On date Oct 26, 2020 are Credco, 2 companies I don't recall ever having directly applied or doing business (WF & Citizens One), and lender that financed my car which when purchased was the only hard pull shown on CRs. Included for year 2019 are 3 credit cards that I applied & opened. I'm confused why old inquiries were retained in a CR database, then leeched into WalletHub. Could the 7 inquiries be a combo of old soft + hard pulls? 

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wallethub showed me as having 13 inquires the other day, it's buggy, but they do save your old credit info so they can show you timelines and such

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The inquiries in 2020 are all dated the day I bought my car but only the actual lender used for financing was ever shown as a hard pull on my CR's. I'm assuming the others were dealership shopping me around via soft pulls. Why the heck would soft & hard pulls from 2019 & 2020 be retained by any entity then feed into WH? Do y'all think maybe Credco did a data scrub or something? 

[AndySoCal]

@GreatLife  Credco would be a hard pull. Auto dealerships have their own dealership software  that has the ability to shop for financing.