AMEX Platinum Hard Pull raised Experian 45 points

[Anonymous]

So I applied for the AMEX Platinum personal on January 1st and myFICO sent me an email today saying that I had a new hard inquiry. I logged in to see how much yet another inquiry would ding my score. To my surprise it gave me a 45 point jump... Never heard of this before, but my scores also saw another smaller jump on all three bureaus when I opened a personal Barclay US Airways card two weeks prior. Apparently I finally hit the bottom of all my 14 new accounts opening and now everytime I open a new one I will see a hike! Very strange. Anyone experience this before?

[jsucool76]

Doubtful the inq itself raised your score. It just happened to coincide with other things happening.

[LearningMoreAboutCredit]

The increase in points could be a result of your accounts are a year older...goodbye 2014, hello 2015.

[Anonymous]

Is AAoA calculated by calendar year or actualy date of account opening? All but one of my accounts is only 2 months old at the most. 

[LearningMoreAboutCredit]

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@Anonymous wrote:

Is AAoA calculated by calendar year or actualy date of account opening? All but one of my accounts is only 2 months old at the most. 

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I was making an assumption since you didn't provide any background...sorry to possibly get your hopes up.  To answer your question, accounts age by date of account opening.

[Anonymous]

No worries, I wasn't too worried why my score jumped, as long as it did. It's not like it went well above where it should be, I saw some brutality ensue after opening all these new accounts. I just assumed that with sub 1% utilization on my cards and making new payments on time it is normalizing back to where it was pre-app o rama. Just thought it was funny that myFICO made it seem as though my new inquiry was responsible for 45 point hike. 

[boosnark]

I got a hard pull from Capital One after an approved credit card but my score was raised anyway (19 points) because at the same reporting date my credit increased, also corresponding to a lower utilization.