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It's not just inqs, new accounts that are 6-12 months old can have a negative effect as well.
rifleman wrote:
I had 5 inquiries and myfico said that was "GOOD"
Then I had 9 and myfico said it was not "NOT GOOD"
Then I had 11 and myfico said it was "BAD"
Now I have 2 and myfico says it is "NOT GOOD"
what the heck?
All three CRA's have different scoring models and there is no way to know how one CRA factors an inq and a new account compared to another's. It's all secret. All one can do is never pay late, keep util low, don't open too many accounts and sit back and relax and wait for your accounts to really age.
rifleman wrote:
the thing is, those accounts are showing up on all three CR's and transunion is the only CRA listing it as "not good" in the "recent credit you have applied for"
something is up with TU that I can't understand--it's my lowest score and always has been. I have less late payments and less inquiries on my TU report then my next best report--Experian. Does TU calculate new account scoring differently then EQ and EX? because EQ and EX show the same accounts exactly the same way yet TU says I am "not good" with new accounts whereas EQ and EX say I am "good"