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Can anyone tell me how long after an inquiry your score actually takes a hit? I thought I remember hearing Fico ignores them for the first month or so
Impact is as soon as it reports. Scores are generated based on the data in your reports. If your CMS or score provider only updates on a fixed schedule (including myFICO) then the score provided by that service is going to update on its regular schedule. However, if you or a creditor pulled a score as soon the inquiry reported the impact would be seen immediately.