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.