This post is in regards to how FICO views Hard Inquiries. Specifically comparing my FICO Ultimate 3B Report's Inquiry section from February 18.....
Inquiry Section:
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EQUIFAX
Huntington National 09/12/2016
TRANSUNION
Us Bank 08/04/16
Chase Card 08/04/16
Us Bank Ds Lcr 05/25/16
First Merit Bank Na 05/25/16
Chase Auto 05/25/16
Fifth Third Bank 05/25/16
Autonation/Ed Mullinax 05/25/16
Fmc-Greenville-If 05/25/16
EXPERIAN
Chase Card 08/04/16
Ed Mullinax Ford 05/25/16
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Events:
09/12/16 Huntington CC application
08/04/16 US Bank CC and Chase CC application
05/25/16 Auto Loan (Dealership makes extra pulls w/o my permission *cough*)
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with the results of the myFICO Scores > Fico Score Ingredients > Amount of New Credit screen.
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Number of Recent Inquiries
Equifax - 1
Experian - 2
TransUnion - 2
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I'm trying to figure out why the myFICO site is only calculating only 2 for 'Number of Recent' Inquiries on TU? I would expect 3 here. 2 for the CC applications and 1 for bundle of auto loan applications.
My understanding is that the FICO algorithms continue to count hard inquiries for up to 12 months.
Is this a website 'bug', or is my understanding of how hard inquiries impact inaccurate? Is 'Recent' <= 12 months?
