Equifax inquiries disappearing?

Discussion in 'Credit Talk' started by LKH, May 25, 2002.

  1. LKH

    LKH Well-Known Member

    I posted last week that the inquiry from Jan 9, 2002 for the Target visa was no longer on my report. Counting that one, I should have 6 hard inquiries on Equifax since the 1st of the year. Today I see that an inquiry for Household/BestBuy is gone from 2/19 as well as an Amex inquiry from early Feb. Both were hard inquiries and now for some reason there is only 3 hard inquiries left. It appears that Equifax is deleting them after 3 months for some reason. Anybody else notice this?
     
  2. tommyy

    tommyy Well-Known Member

    Mine have been deleting at the 6 month mark. I first noticed this on 5/12/2002.
     
  3. whyspers

    whyspers Well-Known Member

    YES!!!! I had at least seven a couple of months ago and now down to four. I don't know what happened to the other ones.



    L
     
  4. jaj1701

    jaj1701 Well-Known Member

    Yes they are..... I have had my mortgage inquires from 9/2001 fall off as well as Sears from 11/2001 and Citi from 1/2002. My only remaining hard inquiry is 1/2002 from Amex. WooHoo!

    Scores have increased from 739 to 757 then to 764! :)

    This rocks!
     
  5. LKH

    LKH Well-Known Member

    I know what happened. They went poof! Don't forget that an inquiry is a matter of fact and cannot be deleted. LOL - morons.
     
  6. tommyy

    tommyy Well-Known Member

    I had a discussion with the local EQ office on 5/12 on another issue but she explained that they have implemented a new system that may be causing these changes we are experiencing. Maybe now that there is a big push in the market for consumers to check your report often (identity fraud and creditnetters), their servers are getting overloaded and it costs them more when they have to keep buying additional servers to hold all this information. This year all companies are cutting expenses so this doesn't surprise me. They would not implement a new system unless it saved money first and was more efficient second.
     
  7. PsychDoc

    PsychDoc Well-Known Member

    I've also had three disappear that way, and I wondered if it had something to do with my lawsuit. Clearly that was the wrong explanation (unless everyone in this thread also had a suit against Equifax at some point). Very interesting!

    Doc
     
  8. tmitchell

    tmitchell Well-Known Member

    It doesn't have anything to do with buying servers. I can almost guarantee that these databases live on SANs somewhere - attached to SQL, Oracle, or some other proprietary database application. When additional space is needed on a SAN, you just plug additional drives into it and they are not real expensive anymore.
     
  9. GEORGE

    GEORGE Well-Known Member

    None of mine are disappearing...even the 1+ year old ones...
     
  10. LKH

    LKH Well-Known Member

    That's because you are George - aka Rodney. LOL
     
  11. breeze

    breeze Well-Known Member

    Change your name, George - maybe they won't recognize you.
     

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