Weird Inquiry Info on Mortgage Pull

[FreeaAndClear]

I'm in the final throes of Escrow (Cross your fingers) and wanted to report on some weird Inquiry info they're pulling/reporting. This doesn't look like it"ll have any negative impact on my loan. I'm just reporting for information only and out of curiosity.

 

Before the packet was submitted to the UW for conditional approval, I was asked to write a letter of explanation for the single inquiry on EX. The enquiry was over a year old for a CC I currently have. But the joint tri-merge the bank pulled showed the Inquiry with a different date. On their report it was dated just a few months back. This is not the case for any of the various sources I pull, including my real report.

 

Last week, before submitting my final packet with Conditions to UW in order to get "clear to close" the processor said 2 more inquiries had popped up for which he needed letters of explanation.

 

One was for a 8 month old CC that I have but the Inquiry date they have is September 2014. The Inquiry was B* from TU last spring.

 

The other was from my only "shopping card trick" card from a year ago. As such, there was never an inquiry that I know of. It also shows an inquiry date of sometime in September 2014 (but different from the one above.)

 

Working theories:

 

They're also pulling from additional sources.

Shopping cart cards get a hard inquiry on some other place

Tri-merges are inaccurate, even for banks

 

The bank has only disclosed that they use the big 3 CRAs

I saw the initial report in October with the initial incorrect inquiry date. At first I thought the bank must have made a typo...

 

Thoughts?