Reply
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Inquiries - when is 6 months?

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

Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
0

Re: Inquiries - when is 6 months?

Its Friday, 2/1

________________________________________________________________________________
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

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
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Re: Inquiries - when is 6 months?

Well that's not going to work for anyone!  :smileywink:

 

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!

Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

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

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.