@Anonymous wrote:
@Anonymous wrote:
Inquiries? 12 months? Perhaps.. The point loss for inquiries seems to be 12 months. But when number of inquiries changed on my CR my projected simulated score showed a different future score after 18 months? Absolutely nothing else changed except number of Inq's. So I wonder if Inq's were calculated in to the score in another place? Maybe I have frequently changing buckets that I can't keep track of. But this caught my attention.
Source was Score Watch Simulator 12, 18, 24 month projections.
Not sure what you mean. Do you mean the FICO score simulator where you pay down balances for or the above period of time? That also takes into account aging of your reports. Or is there something I'm missing?
Correct. When I go to my older MyFICO Score Power and click on "Similate best action" it gives me a different score than newer MyFICO Score Power. Days apart only change was number of inquiries. I also tried this on Equifax SW and saw the same thing. It is very possible the number on the right is a guess based on history and not a true prediction. Because the simulators were always accurate (at least on the left side) I started to believe the right side.
PS The balances, number of accounts, everything else was exactly the same on both score power reports. The only change was number of inquiries which is the only thing I can conclude to have effected the right side prediction of a different score. Might the number of 13-24 month old inquiries impact a score or is the simulator incorrect. Their might be another factor that happened over the few days but I can't find it. Nothing fell off either. For now I will except that the simulator is guessing and not accurate on the right side xxx-"xxx". Confusing.
Message Edited by ilovepizza on
08-27-2007 01:26 PM
