Collection Agency Inquires

[Anonymous]

 Does a YC inquiry impact your score?  If so, is there a weight difference between a YC inquiry and other industry inquiries?    Does a YC inquiry fall into 2 categories - the normal inquiry impact and the impact because a collection department/company is accessing?

[MarineVietVet]

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@Anonymous wrote:

 Does a YC inquiry impact your score?  If so, is there a weight difference between a YC inquiry and other industry inquiries?    Does a YC inquiry fall into 2 categories - the normal inquiry impact and the impact because a collection department/company is accessing?

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I don't know what a YC inquiry is. I apologize for my ignorance.

[Anonymous]

A YC inquiry would be an inquiry generated by a collection services company or department.  YC is the industry code such as BB would be an industry code for a bank.

[guiness56]

If they are coded YC when they get to a CRA, that is not how it is coded on your CR.   But, if I understand your meaning, then yes, they would impact your score.

[Anonymous]

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@Anonymous wrote:

 Does a YC inquiry impact your score?  If so, is there a weight difference between a YC inquiry and other industry inquiries?    Does a YC inquiry fall into 2 categories - the normal inquiry impact and the impact because a collection department/company is accessing?

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From an automated point of view, all hard INQs are pretty much created equal.  On manual review, an INQ from a collection agency doesn't look very good.