Since when does inq help?

[myjourney]

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@Shellie wrote:

I'm looking at a TU report I rulled today and it shows 9 INQ's but some of them had multiple pulls.  Like SYNCB(no clue who this is) shows 10/2013, 03/2014 and 05/2014.  Does that count as 3? 

I still have 5 that were un authorized from a dealer that I can't get removed.  They have a year left.

Only 2 set o fall off later this year. Again this is only TU.

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Any of the 9 INQ's over a year thus having no scoring effect?

Edit and who was the score update from?

[Shellie]

It was here on myFICO. EX? I think.  I don't pay for the others here because I get TU free from Wal-Mart.

[myjourney]

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@Shellie wrote:

It was here on myFICO. EX? I think.  I don't pay for the others here because I get TU free from Wal-Mart.

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So the alert was from who SW and what score went up?

You have me lost because Discover usually pulls EQ and sometimes TU

And did you recon the denial?

Shellie I'm gone hang you if you tell me no Lol

[Shellie]

Well I've pulled TU and EQ and I can't find that ONLINE collections that'd I'd been fighting for the past 8 months.  I don't want to get my hopes up that they actually removed the stinking thing tho.

[Shellie]

Yes my update came from SW.  I just double checked and it is the EQ score we get here on myFICO with the SW subscription.

I'm pretty sure Discover told me they pulled EX when I talked to them yesterday.

Yes, I recon'd, twice.  They said they denied me because of the tax lien and I told them I had the documents showing that it was paid and released and they said it didn't matter.  

The alert I got this morning had the INQ from Discover sited.  

Hope that covers everything!

[myjourney]

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@Shellie wrote:

Well I've pulled TU and EQ and I can't find that ONLINE collections that'd I'd been fighting for the past 8 months.  I don't want to get my hopes up that they actually removed the stinking thing tho.

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Awwh ha fingers crossed 

[myjourney]

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@Shellie wrote:

Yes my update came from SW.  I just double checked and it is the EQ score we get here on myFICO with the SW subscription.

I'm pretty sure Discover told me they pulled EX when I talked to them yesterday.

Yes, I recon'd, twice.  They said they denied me because of the tax lien and I told them I had the documents showing that it was paid and released and they said it didn't matter.  

The alert I got this morning had the INQ from Discover sited.  

Hope that covers everything!

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Ok I'll let you off the hook for recon 

[Shellie]

Ok, I have pulled all three and the new collection that hit me from ONLINE Collections back in Nov appears to be gone from all three reports.  Previously I had been getting an alert around the 25th of every month where they were updating and making it look like a new collection had been added.  I am pretty confident that is were the 15 pts came from.  I lost 24 when they hit me back in Nov.  I now have 2 unpaid medicals and a paid tax lien and a paid medical reporting.

[Shellie]

I tried!!  I really did.  It seems really unfair that the paid tax lien is going to continue to hold me down for an additional 7 years.  

[myjourney]

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@Shellie wrote:

I tried!!  I really did.  It seems really unfair that the paid tax lien is going to continue to hold me down for an additional 7 years.  

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Do me a personal favor 

Try one more time and if they say denied 

Try this but this is the only card I want and would really like to start a relationship with Discover and would be willing to start with a low limit just to prove myself to Discover 

Good luck