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Inquiries - when is 6 months?

Established Contributor

Inquiries - when is 6 months?

If I had an inquiry on 7/28, is the six month anniversary today or tomorrow?

Message 1 of 5
4 REPLIES
Frequent Contributor

Re: Inquiries - when is 6 months?

Its Friday, 2/1

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Message 2 of 5
Established Contributor

Re: Inquiries - when is 6 months?

Is there any significant FICO score change at the 6 month mark?


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 5
Established Contributor

Re: Inquiries - when is 6 months?

Well that's not going to work for anyone!  Smiley Wink

 

I'm not concerned with scores, per se.  I'm worried about an inquiry sensitive lender (Citi) who trolls reports for too many inquiries in the last six months.  While it would certainly be safer to wait, I'd like to include Amex in the application spree and do it in January instead of February for extra backdating juice.  I have a feeling everyone is going to pull Experian, so doing the Amex cards now and waiting until Friday for the Citi cards will defeat the purpose - I'll end up with an extra inquiry anyway.  It all has to be done simultaneously.

 

First world problems!

Message 4 of 5
Senior Contributor

Re: Inquiries - when is 6 months?

Depends on there somewhere, they may coundt 6 months as anything greater than 7/1/12 than on Feb 1 anything greater than 8/1/12, kind of hard to tell if they look at just month and year or month day and year

Message 5 of 5