Inquiries & Score

[Anonymous]

Hi again!

If I've applied for credit cards recently, will MyFico automatically detect those inquiries? I've noticed that my scores have only detected one inquiry in the past year, although I've applied for 3 cards within the past few weeks... 

Do they just take time to detect or do I have to use them first in order for it to be detected?

Thanks

[myjourney]

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@Anonymous wrote:

Hi again!

If I've applied for credit cards recently, will MyFico automatically detect those inquiries? I've noticed that my scores have only detected one inquiry in the past year, although I've applied for 3 cards within the past few weeks... 

Do they just take time to detect or do I have to use them first in order for it to be detected?

Thanks

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Not sure what reports you're looking at but as fast as your finger hits submit the HP and score change before you even know if you were approved or denied 

[Anonymous]

I'm specifically looking at the setion labeled "Amount of New Credit" where you can see how many recent inquiries your account has had...

My question is that there's only 1 recent inquiry when there's been more than just one that I've done a HP for (unless retail cards aren't a HP, but aren't all credit card apps hard pulls?)

When will it change?

[myjourney]

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@Anonymous wrote:

I'm specifically looking at the setion labeled "Amount of New Credit" where you can see how many recent inquiries your account has had...

My question is that there's only 1 recent inquiry when there's been more than just one that I've done a HP for (unless retail cards aren't a HP, but aren't all credit card apps hard pulls?)

When will it change?

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List the cards in question pls? 

On your reports you should be looking credit inquires 

And we all have different reports and companies we use Lol

Who are you using to better help us answer where you should be looking?

[creditguy]

Amount of new credit would refer to the amount of new accounts opened not inquiries, since not all inquiries result in a new account. Your inquiries are there somewhere trust me and they are calculated into your score, it's not reflected In your score until it updates and that is not immediate but yes they are there.

[Anonymous]

Yeah, I'll list them.

My oldest cards are BOA (23 months ago)  & Jareds (10 months ago)

Within the past 2 months, I got a Macys, Sunglass Hut & Amazon Prime card. 

Both Amazon & Sunglass use Synchrony..

I'm not sure who Macy's uses... 

[myjourney]

Macy's = Department Stores National Bank ("DSNB")

All cost you an HP and all affected your scores you're just not looking at your reports in the right place Lol

Look again 

Edit to add Macy's also has a Amex IIRC

[Anonymous]

Sorry for my continued confusion lol 

So, I understand there is both "Recent Inquiries" and "Age of Most Recently Opened Acc" within "Amount of New Credit". 

Since I just opened 3 new accounts within the past two months... my question is why there is only one recent inquiry listed when I thought there would be 3? 

Thanks for anymore clarification 

[myjourney]

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@Anonymous wrote:

Sorry for my continued confusion lol 

So, I understand there is both "Recent Inquiries" and "Age of Most Recently Opened Acc" within "Amount of New Credit". 

Since I just opened 3 new accounts within the past two months... my question is why there is only one recent inquiry listed when I thought there would be 3? 

Thanks for anymore clarification 

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I'll work with you until your clear 

So where is this report from?

On reports there should be a section just for INQ/HP's 

Listed as Credit Inquires.....HP's etc etc 

Note on some 3rd party reports this may not be available so pls let us know what report your using 

Or sign up for CK CS or Q

[Anonymous]

This report is just from the dashboard... I didn't purchase a report... Maybe I should purchse one?