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Hard inquiries - how long do they affect your score

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NibblesTreats
Frequent Contributor

Re: Hard inquiries - how long do they affect your score

Would the AAoA include all accounts or just credit cards?


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Message 11 of 20
NibblesTreats
Frequent Contributor

Re: Hard inquiries - how long do they affect your score

Ok, so it looks like my AAoA before the inquiries is 7yrs. 9mo.


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Message 12 of 20
NibblesTreats
Frequent Contributor

Re: Hard inquiries - how long do they affect your score

lol as i look again, I'm not sure this is what I am supposed to look at or not.  So my average age of my accounts is 7yr. 9mo. My oldest account was opened 14yr. 9mo. ago.  Does that make sense?


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Message 13 of 20
newmomnewme
Valued Contributor

Re: Hard inquiries - how long do they affect your score

nibbles and I have the same numbers my oldest account is 14+ years and my average is 8 years....so if I get my collection accounts deleted, this should help as long as I don't get rid of any old credit. I think the 14 year old accounts are student loans. seriously....

 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 14 of 20
fishbjc
Senior Contributor

Re: Hard inquiries - how long do they affect your score

Another good reason to not apply unless you really need it!  Do your research, and YMMV.

 

 

Message 15 of 20
NibblesTreats
Frequent Contributor

Re: Hard inquiries - how long do they affect your score

I really wish FAKO scores were my FICO scores!!!!  I've got over 700 with ALL of my FAKO scores right now due to my new TL's!  TU 745, EQ 714, EX 730.  Yup, I like those numbers much better!  lol - HOWEVER, I have seen a jump in my FICO score for EQ (since that's what is monitored here) up 10 points in a couple of days! Woo Hoo. We are going in the right direction! Smiley Happy 

 

I told myself that I'm not purchasing my FICO scores for the others until the 1st of the year. UGH, lol let's see how well I do with holding out for that! I've still got GW, DV and PFD letters out, so if they do what we all hope they'll do, I will be one happy camper!!


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Message 16 of 20
DaBears
Senior Contributor

Re: Hard inquiries - how long do they affect your score

Message 17 of 20
NibblesTreats
Frequent Contributor

Re: Hard inquiries - how long do they affect your score

@DaBears, all accounts?  Not sure what you are referring to.


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Message 18 of 20
newmomnewme
Valued Contributor

Re: Hard inquiries - how long do they affect your score

@nibbles I hope that he means AAoA....that would mean that if I opened a new account, my oldest ones would remain...and keep my AAoA good....at least above 6 years. 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 19 of 20
NibblesTreats
Frequent Contributor

Re: Hard inquiries - how long do they affect your score

@newmom - ah yes, that makes sense.  They don't seem to be doing any damage to my scores.  As a matter of fact, I got an alert today stating that my EQ went up 10 points. Smiley Happy


Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months
Message 20 of 20
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