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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!
Thanks!
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.