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My fico 08 scores are all over 800 and I've always been concerned about how a hp makes my score go down. This is fairly common on these boards, but I've always wondered if I fill out 100 apps in a day...how much would my score actually drop? Does anyone know anyone who has tried it? I really am kind of tempted just to find out.
Can't say what the exact number would be, but it'd probably be the equivalent of your score jumping off the Empire State Building. Ready to give it a shot and find out?
@creditguy wrote:Can't say what the exact number would be, but it'd probably be the equivalent of your score jumping off the Empire State Building. Ready to give it a shot and find out?
It would be fun for a little while, surely someone has done this!
the drop in score from an inquiry has a diminishing returns effect. Example, my EX report gets hit the most - and it stopped dropping after about 10 hard pulls over a few month span.
EQ, on the other hand, rarely gets pulled and dropped about 10 points each from PenFed and Discover's 2 pulls (1 each).
@creditguy wrote:
Yeah like a lot of things it's fun until the next morning when reality or the hangover kicks in.
I'm thinking that maybe someone will see this that has already done this, or knows someone who has.
@Anonymous wrote:the drop in score from an inquiry has a diminishing returns effect. Example, my EX report gets hit the most - and it stopped dropping after about 10 hard pulls over a few month span.
EQ, on the other hand, rarely gets pulled and dropped about 10 points each from PenFed and Discover's 2 pulls (1 each).
So how much do you think 100 pulls in a day would drop it?
What would really be bad is if I got 100 approvals.