Why No Inquiry Alert?

[Booner72]

Hi All - Am getting ready to go close on my first house.  YAY.

But the ? is - why no alert for the inquiry they do right before???????

[llecs]

Are you sure they pulled again? My lender didn't. Some do.

[Booner72]

I just got told my LO that they did a "refresh" - so there wouldn't be an alert for that.  Sorry!

[Anonymous]

If it's for a mortgage they wait 30 days before including them so they can count all the mortgage related inquiries as 1 for scoring purposes.

[Barry]

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@Anonymous wrote:

If it's for a mortgage they wait 30 days before including them so they can count all the mortgage related inquiries as 1 for scoring purposes.

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Hi kelli1970,

Just to clarify, while you're correct that the score doesn't count a mortgage inquiry for the first 30 days, and then treats multiple mortgage inquiries as one, the inquiries appear on the credit report immediately after being pulled.

-Barry

[Booner72]

I had my CU run our reports to get a loan - They used EQ.  NO SCOREWATCH ALERT TO THE INQUIRY.  Over 24 hours.

[Anonymous]

Booner,  I never got an alert to the inquiry for my Capital One card.  I used a score watch report to see it.

[Booner72]

STILL NO ALERT FOR BANK INQUIRY ON EQUIFAX.

[Booner72]

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@Anonymous wrote:

Booner,  I never got an alert to the inquiry for my Capital One card.  I used a score watch report to see it.

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Toolie- It shouldn't happen that way.  I shouldn't have to use a SW report to see an inquiry alert.  This is not good.  TWO DAYS NOW!

[Booner72]

STILL no alert or SW email in weeks now.  I think I am going to have to call the hotline or something.  GGGRRRRR