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Member
Posts: 18
Registered: ‎05-03-2007
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CC Inquiry

How many points you lose with CC Inquiry?Thx.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: CC Inquiry

No one knows for sure. Some get dinged big time, while others have little or no change to their scores. Some have even reported a slight increase in scores but I suspect this is for other reasons. What are your FICO scores and how many inqs on each report?
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 569
Registered: ‎04-26-2007
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Re: CC Inquiry

Yesterday I had a new inquiry from NFCU at Equifax and there were no score changes.
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
Member
Posts: 18
Registered: ‎05-03-2007
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Re: CC Inquiry

My fico scores TU 719,EX 723 ,EQ 685.Only 3 inq (each) last 12 mo.I got preapproved letter from WAMU for up to $30,000 ,8,99 %Apr and 0% until 5/08.
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Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: CC Inquiry

[ Edited ]


ssavic wrote:
My fico scores TU 719,EX 723 ,EQ 685.Only 3 inq (each) last 12 mo.I got preapproved letter from WAMU for up to $30,000 ,8,99 %Apr and 0% until 5/08.


My guess would be you might take a hit for another inq and also when the account reports because you will be re-aging your file. Wow big line!


Message Edited by fused on 11-11-2007 09:52 AM
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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