Updated my report here this morning and noticed that my inquiries went from 7 down to 1. Dates below are application dates. Surprised to see the credit app removed as well, but do auto apps get removed after 1 year sometimes? I dont see score changes and have not checked my other CRBs yet.
| Mar 25, 2023 | GTE FINANCIAL | auto | ||
| Mar 23, 2023 | GTE FINANCIAL | auto | ||
| Mar 23, 2023 | MK AUTOMOTIVE MANAGEMENT LLC | auto | ||
| Mar 18, 2023 | MK AUTOMOTIVE MANAGEMENT LLC | auto | ||
| Jul 18, 2022 | CAPITAL ONE BANK USA NA | credit | ||
| Jul 13, 2022 | XACTUS | home |
@FicoMike0 wrote:Congrats!
Kinda perfect timing since I'm going to look at trucks tomorrow and my current loan is through a CU that pulls EQ
@Thomas_Thumb wrote:Inquiries stop counting against Fico score after 12 months. So those that fall off your report naturally at 2 years would already have lost their impact.
It appears you have a couple that fell off early, at 12 months. You could see score boost from them reaching 12 months whether or not they fall of your report. Perhaps 10 points if they were not Deduped to count as one, 5 points if they were Deduped.
10 points would put me into a better range for interest rates, so that would be nice
@Blender wrote:Updated my report here this morning and noticed that my inquiries went from 7 down to 1. Dates below are application dates. Surprised to see the credit app removed as well, but do auto apps get removed after 1 year sometimes? I dont see score changes and have not checked my other CRBs yet.
Mar 25, 2023 GTE FINANCIAL auto Mar 23, 2023 GTE FINANCIAL auto Mar 23, 2023 MK AUTOMOTIVE MANAGEMENT LLC auto Mar 18, 2023 MK AUTOMOTIVE MANAGEMENT LLC auto Jul 18, 2022 CAPITAL ONE BANK USA NA credit Jul 13, 2022 XACTUS home
According to freshly pulled reports from ACR, they exist on EX still.
I gotta say I've been on the better side of EQ anomalies in the past.
myFICO only shows inquires in the last 12 months, they won't show inquires older than 12 months, even if they are still on your report
you'll need to check the report itself to confirm, EQ does EQ things though
@GZG wrote:myFICO only shows inquires in the last 12 months, they won't show inquires older than 12 months, even if they are still on your report
you'll need to check the report itself to confirm, EQ does EQ things though
Welp, learned a few new things today with this post. EQ did not do EQ things, via ACR the inquiries are still reporting. No big deal, but did feel lucky thinking they magically dropped off lol thanks for the information everyone
