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Established Contributor
Posts: 858
Registered: ‎06-26-2007
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Deleted Inquiries

Disputed with Equifax about some inquiries that were a result of a mortgage broker feeling me out to various lenders.  Got them all deleted.  What does this mean for my fico score?  Many were just from July and beginning of August.
 
Eve
Super Contributor
Posts: 8,182
Registered: ‎03-25-2007
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Re: Deleted Inquiries



myhearts07 wrote:
Disputed with Equifax about some inquiries that were a result of a mortgage broker feeling me out to various lenders.  Got them all deleted.  What does this mean for my fico score?  Many were just from July and beginning of August.
 
Eve


There is one way to find out  :smileyvery-happy:
 
Depends - from how many to how many over the last 12 months?  And were they all mortgage in a short time?  If so, they might only count as 1
 
50 down to 40 - not much change
 
Maximum is 10% of score I guess.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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Re: Deleted Inquiries



myhearts07 wrote:
Disputed with Equifax about some inquiries that were a result of a mortgage broker feeling me out to various lenders.  Got them all deleted.  What does this mean for my fico score?  Many were just from July and beginning of August.
 
Eve


If they are mortgage inqs this is how FICO de-duplication works.
 
With the "de-duplication window", FICO looks at your history for the last 12 months, and when it sees two or more hard inqs for the same type of mortgage or auto loan within a two-week period (I think it's 30 days now for a mortgage, correct me if I am wrong), it will ignore all but one of them as far as scoring is concerned. FICO doesn't treat credit card inquiries like this, BUT THEY SHOULD!!!

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 858
Registered: ‎06-26-2007
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Re: Deleted Inquiries

EQ shows 26 inquiries, some were personal that I made and we have tried with 3 brokers who have pulled our credit like crazy and with the deletes from today, I am at 15 inquiries for the year.
Super Contributor
Posts: 8,182
Registered: ‎03-25-2007
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Re: Deleted Inquiries

Well, EQ gets upset with me for more than two  :smileyvery-happy:
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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