Well, sort of Whenever you order your report & choose snail-mail delivery, the lower INQ in the first section will be purged. Mine shows 25 INQs in the first section (hards + disclosures). If I order my report 3 times using mail delivery, the 3 lowest INQs are removed. Not sure how often they'll send a free copy, but if there's no actual limit, you may have all your hards removed in a couple of months. Saar
The odd thing is in the last 2 days 3 consumer disclosures and 5 hard inquiries from 8/01 - 11/01 have dropped off my report and I have no clue why. I did not pull any snail mail reports and have only done eloan. I know TU was working on my report and I wonder if everytime they pulled it an inquiry dropped but there is no new TU disclosure listed. I am not complaining mind you- I would love for the unwanted unwarranted hard inquiries that appeared in the last 6 months to drop. Now I have 28 hard total on my report mixed in with 10 TU disclosures left.
Well it does list all the inquires on the online report and then 8 went bye bye. also, it says what affects your report the most on eloan and before the 8 it was inquiries and with the 8 gone it now says % of revolving accounts.
Well here's my uneducated guess cause i lost ONE inquiry... I counted ALL my inquiries and I had 75, BUT last week when I pulled my report I had 8 HARD now I only have 7 (including that stupid TU "real" score). So maybe a combo of pulling Tu and worthknowing and eloan will bump them faster?
