cancel
Showing results for 
Search instead for 
Did you mean: 

Confusion about FICO reports

tag
BeeH11
Regular Contributor

Confusion about FICO reports

Hello!

 

Yesterday, I decided to buy the 3 scores and reports here on FICO. I also have monitoring directly from Experian. The only report here on the FICO website that shows any inquiries is Experian (2 inquiries: 1 from moving to a new apt and 1 from a new CC in August). However, the other monitoring thing from Experian has 6 inquiries on the updated (yesterday) Experian report (the 2 mentioned above and the rest are from almost 2 years ago - 1 other CC and the rest from when I was buying a car).

 

Why is this different? I don't understand, I still have 2 & 3 months before the 4 inquires not shown on the FICO website fall off. Can anyone explain/help me understand why there is a difference?

 

Any clarification is much appreciated!

Chase Sapphire Reserve. Chase Freedom Unlimited. Amex Gold. Amex Everyday. Discover It. Capital One QuickSilver. Bloomingdales. Victoria Secret.
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Confusion about FICO reports

Myfico shows inquiries that impact your score. Which is only inquiries less than 12 months old. Aftee that they no longer impact your fico score but they do remain on your report.
Message 2 of 4
BeeH11
Regular Contributor

Re: Confusion about FICO reports

Thanks!

Chase Sapphire Reserve. Chase Freedom Unlimited. Amex Gold. Amex Everyday. Discover It. Capital One QuickSilver. Bloomingdales. Victoria Secret.
Message 3 of 4
-NewGuy-
Moderator Emeritus

Re: Confusion about FICO reports

That could certainly be it. It should be easy enough to double check if you want to make sure. Each inquiry should have a date along with it. Inqs older than a year, as the previous poster mentioned, no longer affect your score but still remain on your report for two years.

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.