I do not know if this is a repost but- I have a printed copy for a week ago of my TU report. Under the hard inquiry section(which also has tu consumer disclosures) I noticed there are exactly 50 inquiries. I pulled up a new report today and counted the inquiries and there are exactly 50. Now the interesting part is that 8 hard inquiries from 1/11/01 to 5/19/01 are now missing. It would appear that a new hard inquiry OR a tu consumer disclosure bumps the bottom inquiries off the report which reminds me of you know who. I am gonna wait a couple days and try and pull another tu consumer disclosure and I will see what happens.
does anyone know of a credit guard service which pulls TU reports? I have creditwatch for equifax and creditexpert for experian but i can't find anything for TU briana
Pulling your TU report online doesn't generate an INQ in the first ("regular inquiry") section. Those are only triggered by paper reports, and show as "TU CONSUMER DISCLOSURE" INQs. Pulling a TU report online generates an INQ in the third ("account review inquiry") section. They show like this: Now, I still believe you're on to something here, since my first ("regular inquiry") section is exactly 25 (hard and disclusure) INQs long. Which may very well indicate that the more I pull my report offline, the more hard INQs will be purged. Saar
Doesn't anyone realize we've potentially found a new way to generate mass deletion of TU hard INQ's? Shall we name it TU's 25-day club? Saar
that's weird...when I bought mine online it put a listing under the regular inquiry section, maybe they do both? briana
If it really works this way, then just be sure to dispute only one item at a time so that they send a seperate report for each item )
To Saar, Look at your last paragraph here. See where you say "Which may very well indicate that the more I pull my report offline" Did you really mean "online" not "offline ? Is it your opinion that those "TU CONSUMER DISCLOSURE"'s in the first section penalize us a couple of credit points for each one? I have 8 of these that I suspect are the result of disputing with TU. I am just flabbergasted that I may have lost 16 to 20 points by disputing info with TU. I am seeking your advice here. I am not being critical of you. I just want to understand. BTW, I see the opportunity here and have pulled mt TU report online 3 times in 3 weeks now.
I meant what I said - offline - as in sent by mail. For me, only snail-mailed TU reports are shown in the first section. I don't believe these cause your score to drop. However, pulling it using the new FICO score may cause a score drop, since it appears they have not yet figured out how to code these correctly. My advice: Go online and order a report to be delivered offline (by mail), without their new FICO (dis)service. Saar
Thanks Saar I am going to change my strategy. Next week I will order my TU report for free due to an insurance turn down and have it delivered by mail. No more online reports. I will not touch that new TU FICO score until they knock off this hard inquiry business. I hope you are right that the CONSUMER DISCLOSURE inquiries in the 1st section do not affect the score. I know George thinks the same as you.
