Case File 013Documented Outcome

Six creditors’ hard inquiries,
no longer reported.

On September 24, 2026 TransUnion listed hard inquiries from six creditors on this file. On the report dated September 29, 2026 that section is absent, and everything printed around it is the same. Two of the removed inquiries carry the same dates as accounts that were opened on those dates and still report. This page shows that as well.

Prepared by Andre Nguyen, Founder & Principal Advocate, Pinnacle Credit Management · TransUnion documents dated September 24 and September 29, 2026 · Published · Exhibits re-verified
Items no longer reported
8
Hard inquiry dates from six creditors
Window
5 days
Sep 24 → Sep 29, 2026
Account review inquiries
Unchanged
Four entries, same dates on both documents
Adverse record that stayed
1
A discharged Chapter 7 notice, on both dates
The record

What came off

Six entries, each read off TransUnion’s own Regular Inquiries section as it stood on September 24, 2026. TransUnion’s heading for that section states that these inquiries remain on a credit file for up to 2 years.

Removed

Hard inquiry

TransUnion · Sep 24 to Sep 29, 2026
08/24/2026
Inquiring party
HYUNDAI MOTOR FINANCE
Requested on
08/24/2026
Inquiry type
Individual
On the Sep 24 file
Listed under Regular Inquiries
Result
The Sep 29 report has no Regular Inquiries section
Removed

Hard inquiry

TransUnion · Sep 24 to Sep 29, 2026
08/24/2026
Inquiring party
CBCARAPAHOEHYUNDAI via CBCARAPAHOE HYUNDAI
Requested on
08/24/2026
Inquiry type
Individual
Permissible purpose
Credit transaction
On the Sep 24 file
Listed under Regular Inquiries
Result
The Sep 29 report has no Regular Inquiries section
Removed

Hard inquiry

TransUnion · Sep 24 to Sep 29, 2026
08/21/2026
Inquiring party
APPLE CARDGS BANK
Requested on
08/21/2026
Inquiry type
Individual
On the Sep 24 file
Listed under Regular Inquiries
Result
The Sep 29 report has no Regular Inquiries section
Removed

Hard inquiry

TransUnion · Sep 24 to Sep 29, 2026
01/08/2026, 09/15/2025
Inquiring party
CREDIT UNION OF COLO via CREDCO
Requested on
01/08/2026, 09/15/2025
Inquiry type
Individual
Permissible purpose
Credit transaction
On the Sep 24 file
Listed under Regular Inquiries
Result
The Sep 29 report has no Regular Inquiries section
Removed

Hard inquiry

TransUnion · Sep 24 to Sep 29, 2026
08/16/2025, 04/08/2025
Inquiring party
AUTONATION FORD LITT via ANCOURTESY FORD
Requested on
08/16/2025, 04/08/2025
Inquiry type
Individual
Permissible purpose
Credit transaction
On the Sep 24 file
Listed under Regular Inquiries
Result
The Sep 29 report has no Regular Inquiries section
Removed

Hard inquiry

TransUnion · Sep 24 to Sep 29, 2026
11/24/2024
Inquiring party
LENNAR MORTGAGE LLC via FACTUAL DATA
Requested on
11/24/2024
Inquiry type
Individual
Permissible purpose
Credit transaction
On the Sep 24 file
Listed under Regular Inquiries
Result
The Sep 29 report has no Regular Inquiries section
Exhibits

The same pages of the same file, five days apart

Both documents come from TransUnion. The first is its online dispute listing of the whole file, the second is a credit report. Each exhibit below is a single page or part of a page, shown at the size it was produced, with personal details cropped away or blacked out.

Exhibit A1Sep 24, 2026TransUnion · report date · before
Top of a TransUnion Online Service Center dispute listing. Under Personal Information it reads Credit Report Date 09/24/2026. Everything below that line is cropped out.
Swipe the exhibit to read across →
The first document is TransUnion’s online dispute listing of the whole file. Its credit report date is 09/24/2026. Personal details below this line are cropped out.
↓Five days
Exhibit A2Sep 29, 2026TransUnion · report date · after
Top of a TransUnion credit report. It reads Date Created 09/29/2026 and, under Personal Information, Credit Report Date 09/29/2026. The name and file number above and the personal details below are cropped out.
Swipe the exhibit to read across →
The second document is a TransUnion credit report created 09/29/2026. The name and file number above this crop, and the personal details below it, are cropped out.
Exhibit B1Sep 24, 2026TransUnion · inquiries · before, page 66 of 77
Page 66 of the September 24 listing. A payment history grid running July 2018 to June 2019 with Total Months 12, then the heading Inquiries, then Regular Inquiries with the statement that these inquiries remain on the credit file for up to 2 years. Listed: HYUNDAI MOTOR FINANCE requested on 08/24/2026, CBCARAPAHOEHYUNDAI via CBCARAPAHOE HYUNDAI requested on 08/24/2026, and the name APPLE CARDGS BANK at the foot of the page.
Swipe the exhibit to read across →
September 24. The Inquiries heading opens with Regular Inquiries. Two entries are dated 08/24/2026 and a third begins at the foot of the page. Note the payment grid above the heading, July 2018 to June 2019, Total Months: 12.
↓Same listing, next page
Exhibit B2Sep 24, 2026TransUnion · inquiries · before, page 67 of 77
Page 67 of the September 24 listing. The third entry continues with requested on 08/21/2026. Then CREDIT UNION OF COLO via CREDCO requested on 01/08/2026 and 09/15/2025, AUTONATION FORD LITT via ANCOURTESY FORD requested on 08/16/2025 and 04/08/2025, and LENNAR MORTGAGE LLC via FACTUAL DATA requested on 11/24/2024. Below them the Account Review Inquiries section begins.
Swipe the exhibit to read across →
September 24, continued. The Apple Card entry is dated 08/21/2026, followed by three more creditors. Six creditors and eight dates in all. Account Review Inquiries begins only after them.
↓Five days later
Exhibit B3Sep 29, 2026TransUnion · inquiries · after, page 71 of 84
Page 71 of the September 29 report. The same payment history grid running July 2018 to June 2019 with Total Months 12, then the heading Inquiries, followed directly by Account Review Inquiries. There is no Regular Inquiries section.
Swipe the exhibit to read across →
September 29. The same payment grid sits above the same Inquiries heading. The heading is now followed directly by Account Review Inquiries. The Regular Inquiries section is absent.
Exhibit C1Sep 24, 2026TransUnion · account review inquiries · before
Page 68 of the September 24 listing showing account review inquiries: TRANSUNION INTERACTIVE 09/12/2026, TRANSUNION CONSUMER INTE 09/12/2026, ELAN FIN SVCS 08/26/2026 and TRANSUNION INTERACTIVE 11/14/2025. One entry at the foot of the page is blacked out because it prints the consumer name.
Swipe the exhibit to read across →
September 24. Four account review entries: 09/12/2026, 09/12/2026, 08/26/2026 and 11/14/2025. The blacked out block is an entry that prints the consumer’s name.
↓Five days later
Exhibit C2Sep 29, 2026TransUnion · account review inquiries · after
Page 72 of the September 29 report showing the same account review inquiries: TRANSUNION INTERACTIVE 09/12/2026, TRANSUNION CONSUMER INTE 09/12/2026, ELAN FIN SVCS 08/26/2026 and TRANSUNION INTERACTIVE 11/14/2025, followed by CONSUMERINFO.COM. One entry is blacked out because it prints the consumer name.
Swipe the exhibit to read across →
September 29. The same four entries with the same dates. The section that does not affect scoring was left exactly as it was.
Exhibit D1Sep 24, 2026TransUnion · account detail · before
Account block for APPLE CARD - GS BANK USA on the September 24 listing. Date Opened 08/21/2026, Individual Account, Revolving Account, Credit Card. The account number is blacked out.
Swipe the exhibit to read across →
September 24. The Apple Card account, Date Opened 08/21/2026. Account number blacked out.
↓Five days later
Exhibit D2Sep 29, 2026TransUnion · account detail · after
Account block for APPLE CARD - GS BANK USA on the September 29 report. Date Opened 08/21/2026, balance $1,299, Pay Status Current Account. The account number is blacked out.
Swipe the exhibit to read across →
September 29. The same account, same open date, reported as a Current Account with a $1,299 balance. The account stayed. The inquiry carrying the same date did not.
Exhibit E1Sep 29, 2026TransUnion · account detail · after, page 43 of 84
Account block for HYUNDAI FINANCE on the September 29 report. Date Opened 08/24/2026, Installment Account, Automobile, balance $50,326, Pay Status Current Account. The account number is blacked out.
Swipe the exhibit to read across →
September 29. A Hyundai Finance automobile loan, Date Opened 08/24/2026, balance $50,326, Current Account. The two Hyundai inquiries on Exhibit B1 carry that same date.
Exhibit F1Sep 24, 2026TransUnion · public records · before
Public Records heading on the September 24 listing with the sentence: Discharged Chapter 7 bankruptcy remains on your file for up to 10 years. Court details below are cropped out.
Swipe the exhibit to read across →
September 24. TransUnion’s public records notice. Court details are cropped out.
↓Five days later
Exhibit F2Sep 29, 2026TransUnion · public records · after
Public Records heading on the September 29 report with the same sentence: Discharged Chapter 7 bankruptcy remains on your file for up to 10 years. Court details below are cropped out.
Swipe the exhibit to read across →
September 29. The same notice. The most adverse item on the file is still reported.
How to read these Start with Exhibits B1 and B3. Both show the tail of the same closed account, a payment grid running July 2018 to June 2019 with Total Months: 12, and directly under it the heading Inquiries. On September 24 that heading opens with Regular Inquiries and runs on to a second page. On September 29 it opens with Account Review Inquiries and there is nothing before it. The grid above the heading is the control: the page was not rebuilt or re-sorted, one section is simply not there. Exhibits C1 and C2 are the second control. The account review entries, which sit directly after the removed section, are the same four entries with the same four dates. Exhibits D, E and F show what else stayed, including the item a reader would least expect to survive a broad clean-up, the bankruptcy notice.
Controls

What did not change

Discipline

What we are not claiming

These exhibits show that a section stopped being reported. They do not show why, and the limits below matter more than the count at the top of the page.

Read this before you read anything else

  • Two of the removed inquiries match accounts that are still open. The Hyundai Motor Finance inquiry and the dealer’s inquiry are both dated 08/24/2026. A Hyundai Finance automobile loan opened 08/24/2026 is on the September 29 report as a current account with a $50,326 balance. The Apple Card inquiry is dated 08/21/2026 and the Apple Card account opened 08/21/2026 is on both documents. Nothing on this page shows that those inquiries were reported in error, and we do not say they were.
  • We do not say why TransUnion stopped reporting them. Neither document states a reason. This page reports what two TransUnion documents show and nothing about how the matter was handled. Other explanations, including a creditor’s own request or a bureau process, cannot be excluded from these documents.
  • No score is claimed. Neither document prints a score. In the same five days a $50,326 loan appears on this file, which would move a score for reasons that have nothing to do with inquiries.
  • Some of these inquiries were already old. The Lennar Mortgage inquiry was dated 11/24/2024, about two months short of the 2 year limit TransUnion prints on the page. The two AutoNation dates and one of the Credco dates were more than twelve months old.
  • This is TransUnion only. Each bureau keeps its own file. Nothing here says anything about Equifax or Experian.
  • The first document is a dispute listing, not a mailed report. It is TransUnion’s own dated rendering of the whole file, which is why the comparison leans on the unchanged pages around the missing section.
  • Documented as of September 29, 2026, not permanently. We hold no later pull, and information removed from a file can be reinserted.
  • This is one file. It is not typical, not a projection and not a promise. What can change on a report depends on what that report contains, and accurate information generally stays.
Questions

What this file does and does not answer

How can a page show that an inquiry is no longer reported?

By showing the section it sat in on two dated documents from the same bureau, together with the pages on either side of it. On this file the Regular Inquiries section is present on September 24, 2026 and absent on September 29, 2026, while the account printed directly above it and the account review entries printed directly below it are the same on both dates.

Does this mean hard inquiries can be taken off any credit report?

No. An inquiry that reflects credit a consumer applied for is ordinarily accurate, and accurate information generally stays on a report for its full term. This page documents what two TransUnion documents show on one file. It does not show why the change happened and it is not a prediction for any other file.

Did the consumer’s score go up?

This page does not say, because the documents do not. Neither prints a score, and a new $50,326 automobile loan appears on the file inside the same five days, so no score movement in this window could be tied to the inquiries.

Pinnacle Credit Management LLC · 1650 Borel Place, Suite #200, San Mateo, CA 94402

Results vary by file. We make no promise of any deletion, score increase, approval, funding, settlement, legal outcome, or timeline. Fees are billed as services are performed.

Back to Documented Results