Four INQs set to drop off tomorrow

[Fico2Go]

So with 9 INQUIRIES in two years, four are set to drop off tomorrow.  

This could be good for overall scores but I'm concerned it could have some negative side effects since the remaining 5 will all be INQS from 12/2013.  

It will look to both manual and auto UW the appearance of too many RECENT INQS.  Too many new recent accounts.  

Perhaps for future CC endeavors a regular pattern of credit seeking every 3 months might be in order.  This will remove any cluster of INQs.    

[azguy13]

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@Fico2Go wrote:

So with 9 INQUIRIES in two years, four are set to drop off tomorrow.  

This could be good for overall scores but I'm concerned it could have some negative side effects since the remaining 5 will all be INQS from 12/2013.  

It will look to both manual and auto UW the appearance of too many RECENT INQS.  Too many new recent accounts.  

Perhaps for future CC endeavors a regular pattern of credit seeking every 3 months might be in order.  This will remove any cluster of INQs.    

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I think you are correct in that you should space the CC apps out over time. I would also not expect a jump in score since INQs only effect your score for a year.

[Fico2Go]

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@azguy13 wrote:

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@Fico2Go wrote:

So with 9 INQUIRIES in two years, four are set to drop off tomorrow.  

This could be good for overall scores but I'm concerned it could have some negative side effects since the remaining 5 will all be INQS from 12/2013.  

It will look to both manual and auto UW the appearance of too many RECENT INQS.  Too many new recent accounts.  

Perhaps for future CC endeavors a regular pattern of credit seeking every 3 months might be in order.  This will remove any cluster of INQs.    

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I think you are correct in that you should space the CC apps out over time. I would also not expect a jump in score since INQs only effect your score for a year.

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Correct.   I'm not so much concerned about the score jump as much as the actual presence of INQs on the CR.  

In some ways it's almost at least visually speaking looks better to have 1 INQ a month spaced througout the 2 year cycle.  The consensus here seems to be to garden for 6-12 months prior to new apping.  This might be counter productive in terms of clusters of INQ dates.  

[azguy13]

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@Fico2Go wrote:

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@azguy13 wrote:

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@Fico2Go wrote:

So with 9 INQUIRIES in two years, four are set to drop off tomorrow.  

This could be good for overall scores but I'm concerned it could have some negative side effects since the remaining 5 will all be INQS from 12/2013.  

It will look to both manual and auto UW the appearance of too many RECENT INQS.  Too many new recent accounts.  

Perhaps for future CC endeavors a regular pattern of credit seeking every 3 months might be in order.  This will remove any cluster of INQs.    

---

I think you are correct in that you should space the CC apps out over time. I would also not expect a jump in score since INQs only effect your score for a year.

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Correct.   I'm not so much concerned about the score jump as much as the actual presence of INQs on the CR.  

In some ways it's almost at least visually speaking looks better to have 1 INQ a month spaced througout the 2 year cycle.  The consensus here seems to be to garden for 6-12 months prior to new apping.  This might be counter productive in terms of clusters of INQ dates.  

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I agree with you 100% on that. I always love to see the INQs age off for purely the look of the report. Plus, it never hurts during manual underwriting.

[abundancejones]

inqs dont matter after a year

[YahComb]

For scores, they don't matter after a year.

For any individual credit issuer, that's a huge YMMV.

[Fico2Go]

Now here's something strange which happened today.  After comparing today's CR with yesterday's,

I notice my FICO score jumped from  732  ===>  753  in 24 hours. 

Same account balances as yesterday

Same # accounts with balances as yesterday

Same util ratio

No new statement

No new accounts opened

No new inquiries

my 4 INQS are still on my report

What's going on guys?   How can scores jump 31 pt for no reason?