As expected, 1 more inq deleted

Discussion in 'Credit Talk' started by LKH, Aug 5, 2002.

  1. LKH

    LKH Well-Known Member

    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.
     
  2. Nave

    Nave Well-Known Member

    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. :)
     
  3. LKH

    LKH Well-Known Member

    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?
     
  4. tix

    tix Well-Known Member

    Great job LKH! But how many lick to get to the center of a tootsie roll lollipop?

    tix
     
  5. Nave

    Nave Well-Known Member

    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
     
  6. KHM

    KHM Well-Known Member

    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.
     
  7. LKH

    LKH Well-Known Member

    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?
     
  8. Nave

    Nave Well-Known Member

    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
     
  9. thickman66

    thickman66 Well-Known Member

    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!
     
  10. kbanger

    kbanger Well-Known Member

    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
     

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