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VantageScore and inquiries

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vanillabean
Valued Contributor

VantageScore and inquiries

Does anyone know if VantageScore counts the full two years that inquiries are listed? FICO counts just the most recent one year.

 

Message 1 of 4
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llecs
Moderator Emeritus

Re: VantageScore and inquiries

I think it is 2 years only because I recall seeing score changes in my favor on CK and TrueCredit when the inquiry hit 2 yrs. Never bothered to study it in detail though to narrow out that TL hitting the 2-yr mark.

Message 2 of 4
vanillabean
Valued Contributor

Re: VantageScore and inquiries

Thanks. I ask because of the considerable difference between TU (955) and EX (866). The data across the agencies appear identical except for inquiries, and I'm under the impression they all use the same formula.

Message 3 of 4
marty56
Super Contributor

Re: VantageScore and inquiries

On my TrueCredit TU report it says this:

 

In addition to the factors listed above, the number of inquiries on your credit report has adversely affected your credit score.

 

The INQ is from 6/10.  I dont have any other INQs  I don't know if it really is affecting my Vantage score or not..

1/25/2021: FICO 850 EQ 848 TU 847 EX
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