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So I got an alert that an inquiry was added to my Experian credit report today, well when I went and looked at the impact of the inquiry, it says that my Fico score went from 714 to 746!!! That's a 32 point increase!!!! Now nothing has changed in my report other then adding another inquiry, and I have to wait until the 9th for my quartly report. So not really sure what would cause such an increase, but hey I'll take that, and that's even with my BK from 2006 still reporting!!!!
@waynes1982 wrote:So I got an alert that an inquiry was added to my Experian credit report today, well when I went and looked at the impact of the inquiry, it says that my Fico score went from 714 to 746!!! That's a 32 point increase!!!! Now nothing has changed in my report other then adding another inquiry, and I have to wait until the 9th for my quartly report. So not really sure what would cause such an increase, but hey I'll take that, and that's even with my BK from 2006 still reporting!!!!
Before and after snapshot of the report. Inquiries may be zero damage, but they are never positive under any FICO model; simply the monitoring alert and the resultant score was triggered by the inquiry, but it rolled up some other positive change into the result.
Something else changed, but that's a nice boost anyway!
well it appears as though my BK fell off my experian report earlier then expected. I just ran my 3b report and it it's off that one, I wonder if others will follow suit....
Just got a 45 point increase in my Transunion Report after I ask for them to exclude the BK, now I need to contact Equifax and see what they'll say!!!!
Updated scores now:
Experian was 714 as of 04/01/2016 and now I'm at 746
Transunion was 706 as of 04/09/2016 and now I'm at 751
Equifax didn't update and it's still showing as 687