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Regular Contributor
Posts: 216
Registered: ‎04-19-2007
0

Partial aging of inquiries?

I know that inquires are counted against your FICO score for 12 months but does the impact of an inquiry lessen after say 6 months from the date of the inquiry.   IE.   Inquiry dinged me 8 points in January.  Would 6 months later I get back 3-4 points for partial aging of it?
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
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Re: Partial aging of inquiries?



flyers wrote:
I know that inquires are counted against your FICO score for 12 months but does the impact of an inquiry lessen after say 6 months from the date of the inquiry.   IE.   Inquiry dinged me 8 points in January.  Would 6 months later I get back 3-4 points for partial aging of it?


No, but it would be nice.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 216
Registered: ‎04-19-2007
0

Re: Partial aging of inquiries?

Darn! .... I could really use 1 stupid point.
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
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Re: Partial aging of inquiries?

There are a lot of ways to get a point or a lot more. Can I ask you if you have any CCs. If so, what are the CLs and balances on each?
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 216
Registered: ‎04-19-2007
0

Re: Partial aging of inquiries?



fused111 wrote:
There are a lot of ways to get a point or a lot more. Can I ask you if you have any CCs. If so, what are the CLs and balances on each?



I have 1 Visa: $5000 limit, balance is $108.   And I have a Macy's card:  $2500 limit, balance is $11.
 
Frequent Contributor
Posts: 436
Registered: ‎06-15-2007
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Re: Partial aging of inquiries?

I have 1 Visa: $5000 limit, balance is $108.   And I have a Macy's card:  $2500 limit, balance is $11.
 





Great job at keeping your utilization down. That will continue to help you. Try asking for a CLI which should give a bump in your scores.

BTW What are your scores at now? Are there any collections, chargeoffs or lates on your files? If so, you can try a GW letter for the lates and any paid collections and a pay for delete letter for any collections or chargeoffs that have yet to be paid.

Keep us posted.
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Regular Contributor
Posts: 216
Registered: ‎04-19-2007
0

Re: Partial aging of inquiries?

Scores are 679, 668, 691.   BK discharged in 3/05.   I have nothing left to fix or pay down to gain an extra point to be at a 680 middle FICO.   My score has been stagnant the past 4 months.
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