Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
donh1948

0 Contributions
0 People Helped
what should I do about 2 unknown inquiries?
My credit score recently went down by 48 points with 2 unknown inquiries. How do I find out who they were?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
3051 Contributions
2884 People Helped

Inquiries only cost you aboutt 4-5 points, no way you lost 45 points from inquiries.  With that being said, the numbers you get here are just for your entertainment and education (although not very good at it, I'm afraid).  To find out about all inquiries, go to www.annualcreditreport.com and pull a credit report from one of the three bureaus (to try and match up what shows up here, use TransUnion).  Everyone has their own credit scoring models and it is very frustrating because the only true score that matters is FICO.  There are only 3 ways that I know of to get your FICO score - 1. apply for credit or a mortgage (bad idea) 2. apply for a Discover IT card (they give you your FICO on your statement, but still not a great idea if you're not wanting another credit card) 3. purchase your FICO score from www.myfico.com.  Lots of things go into your credit score, so more than likely there are other things going on you're not aware of.  Pull your report and dispute any errors (you can dispute from that same website).  Best of luck!

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.