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Different amount of ing's between EX and Myfico????

Valued Contributor

Different amount of ing's between EX and Myfico????

I have had both for a while now and just noticed that their is a big difference between the number of inq's between both.  I checked EX, then Myfico EX and not sure which one is the correct one?  Or which one the cc's, auto lenders, mtg lenders use?  

Does anyone else see a big difference in them?  Smiley Surprised


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
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Established Contributor

Re: Different amount of ing's between EX and Myfico????

MyFICO only displays inquiries that are being scored (last 12 months).

 

Some other services (and the CRAs directly) display all inquiries that are still on the reports (usually the last 24 months).

 

FICO scoring models only look at the last 12 months - other models (or lender internal models) could look at anything still on the report.

EQ8:843 TU8:840 EX8:850 EQ9:850 TU9:850 EX9:850 EQ5:774 TU4:791 EX2:809 - 2018-11-07
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