@Anonymous wrote:
Interesting!
It sounds like both sources are reporting 3 inquiries. The puzzle is that the CC summary page implies that it only shows inquiries from the last 12 months, but you can see from the CCT supplied report that two of the three inquiries are over 12 months old.
My guess is that CC's summary page is messed up. The data aren't messed up. It's the wording surrounding it, their way of categorizing it, which leads a reader to believe that CC's credit score only looks at inquiries from the last 12 months.
CC uses Vantage Score, and in the VS model it counts all inquiries up to 24 months old. So my guess is that the CC back end is correctly counting all three of your inquiries, but the wording on the summary page is misleading you to think they are all < 12 months old.
That's my guess. The only other possibility would be that your two older inquiries are right on the cusp of 12/13 months, and are being categorized as 12 months or less when they are actually like 12.6 months or something.
I think you should write CC, explain exactly what you are seeing )on both their summary page and your full experian report) and then ask them if they are sure their Vantage based system doesn't count inquiries through 24 months. Here is their contact page:
https://www.credit.com/contact/
PS. Just so you are clear yourself, FICO's models do not count inquiries older than 12 months. Vantage Score does.
Well I don't really care about accuracy of VS, although I don't think there's anything wrong with that. The only thing that seems to be wrong is what they label "older" under Inquiries. What is that supposed to mean, it's not even correct English. Older than what? Do they mean "oldest"? But then again oldest in reference to what? It'd be reasonable to assume it should be the oldest that shows in my CR, which weren't accurate in my case. Btw, the second oldest is about 15 months old, not that close to 12 at all, the third one about 20. Anyway, I might contact them to ask what that "older" is supposed to mean.
