As I had expected, one more inq. was deleted today by Equifax leaving me with 1 which will fall off in about 2 weeks. I got my 3 points back that I lost yesterday, which is surprising since my new car loan showed up today and old one doesn't show as paid yet. I will give them til the end of the week and then dispute it as paid in full.
Damn you got it good. Congratulations!! (I guess...I mean you expected it...down to the day ) -Peace, Dave PS Just checked mine...I got 2 added to the total, more soft Equifax disclosures...not one deleted yet.
Yep. To the day. LOL I actually posted about this last week and said I'd have one fall off on the 4th and 1 on the 5th. Just like clockwork. The equifax 45D message. How many total inq's do you have?
96 total now. Interesting note though: From the 1 year scoring of Hard inquiries (MyFico inquiry screen), I have only 3 Hard inquiries which ALL age 1 year, this month, next month, and the month after. I have had a fairly steady score ever since I started CW...so I am going to closely watch the effect of the aging of the 3 inquiries as they fall off. I have only 1 other (older) hard inquiry so the rest of the 92 inquiries are all soft inquiries. hehehehehe -Peace, Dave
I had 1 at about noonish, then I applied for a Target card and now I have 2. Right now I'm in the 100 or so club, so the other inquiry should be off in a few days, bringing me back to one. I'll GLADLY pay for CW every year if these "clubs" remain in existance.
Dave, keep pulling your score and report everyday. Look at the top and you'll see 2 new inq's. Then look at the towards the bottom from the date you joined CW. Those bottom ones at some point will start being deleted. When they do, you can 2 per day to figure out how long til the next hard inq gets deleted. Did I explain that ok?
Yea you did. Thank you! But I have been, maybe not EVERY day but..., and have seen no deletions yet. Maybe in the 100's Its ok, I dont have many and they are almost all over 1 year old. Thanks LKH, much appreciated. -Peace, Dave
My hard have stopped falling off on Equifax for some reason. I am stuck at 5 and have no clue why. The equifax disclosures are dissappearing...not the hards/softs...that sucks for me. HELP!
To LKH or anyone else who knows the formula, How do you get inquires off of EX. I instead to start applying for credit in Sept. nothing will fall off before then, I have eq and creditwatch and have been following this thread and still do not understand it. If you have a moment to explain it to this newbie I would be greatful as always
