08-19-2013 09:00 AM
Ok, someone threw this point out there, but the answer never got solidified........Does the ding from the inquiry have the same weight at the 11 month mark as it does at the 1 month mark?
The damage fades over time. A 11-month old inquiry does not carry the same weigh as one added yesterday, assuming there was any damage from the inquiry to begin with. Now some in here have seen gains at 12 months but it wasn't due to the inquiry, but due to their newest TL hitting a year. I've personally seen gains a couple of different times.
08-19-2013 10:45 AM
Ok that's great to hear. I can't wait fof my TL's to hit a year. Right now I have 4 inquiries and 4 TL's that are 2 months away from a year status.
08-29-2013 04:13 AM
how long did it take you to go from the 500 to 800?
A couple years or so.
09-14-2013 01:40 PM
I don't like that the "MyFicoFinessChallenge" scores are not verified and are just self inputed. Someone with very low scores could simply put that they have high scores and give others advice. Just something to think about.. Hmm, let's see how high I'd like my scores to be...LOL!
05-08-2015 12:41 PM
If you don't mind me asking what is your credit limit on most of those credit cards and at what % do you keep the balance?
This thread is almost two years old so I'm locking it.
Feel free to start a new thread with questions/comments.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.