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stupid question about HARD INQ'S

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SnackTrader
Valued Contributor

Re: stupid question about HARD INQ'S

Also, there are three major credit bureaus, so unless you are checking all three you will likely miss some INQs because banks may pull only one of the three.

Make sure you are checking EX, EQ, and TU to see all INQs.

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Last App: June 27, 2015
Message 11 of 17
Anonymous
Not applicable

Re: stupid question about HARD INQ'S

Alerts from credit monitoring services are NEVER going to be instant.  They are not constantly pulling your report.  They will do it at certain intervals.  myFICO does it every week or so.  

Message 12 of 17
mojobones89
Contributor

Re: stupid question about HARD INQ'S


@Rhaeny wrote:

@Datx wrote:

@mojobones89 wrote:

@Anonymous wrote:

normally it show up right away on ur credit report.


like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS


When you say "alert" Im assuming you are getting an email saying you have a new INQ, correct? Are you actually doing a refresh or pull of your credit report? Cause it normally shows right away when you refresh/pull your CRs. An alert email can take anywhere to a day or two, or even just a few hours. But if for example, I applied for a new CC right now at PenFed. And then I do a refresh or pull of my CRs, Im going to see a new EQ INQ for sure.


Correct....

 

I thought that mojobones was talking about alerts and I don't get them immediately.  But yes if I pulled my reports right after an app I will see the HP's.  If mojobones isn't seeing the HP's from a couple of days ago, then either they SP'd which I doubt on a new app, or they didn't pull it at all.  Are there other reasons preventing anyone knows of to prevent an HP from showing up?

 

 


exactly,im wondering what they did.i just refreshed my reports,on usaa credit report and experian credit report that show all 3 scores/reports.

Message 13 of 17
mojobones89
Contributor

Re: stupid question about HARD INQ'S


@Datx wrote:

@mojobones89 wrote:

@Anonymous wrote:

normally it show up right away on ur credit report.


like i told the other person is that i went on a app spree a couple days ago and only recieved one alert for AMEX,checked all three of my reports on different memberships and dont see the other new INQS


When you say "alert" Im assuming you are getting an email saying you have a new INQ, correct? Are you actually doing a refresh or pull of your credit report? Cause it normally shows right away when you refresh/pull your CRs. An alert email can take anywhere to a day or two, or even just a few hours. But if for example, I applied for a new CC right now at PenFed. And then I do a refresh or pull of my CRs, Im going to see a new EQ INQ for sure.


ya my alert just came in today for AMEX but when i refresh both usaa and experian credit reports which both show all three bureaus it dont show the rest of my apps

Message 14 of 17
mojobones89
Contributor

Re: stupid question about HARD INQ'S


@HiLine wrote:

@mojobones89 wrote:

how long does it take for them to pop up?i havent gotten no alerts of my Hard pulls from yesterday


What credit monitoring service do you use? Some detect changes and send alerts faster than others. 


usaa and experian

Message 15 of 17
mojobones89
Contributor

Re: stupid question about HARD INQ'S


@SnackTrader wrote:
Also, there are three major credit bureaus, so unless you are checking all three you will likely miss some INQs because banks may pull only one of the three.

Make sure you are checking EX, EQ, and TU to see all INQs.

both usaa and experian membership show all three

Message 16 of 17
mojobones89
Contributor

Re: stupid question about HARD INQ'S

agreed,but even when i did refresh my reports they didnt show the other apps....

Message 17 of 17
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