How soon before recent inquiries reflect in score?

[TilltedBrim]

I went on a recent app spree last week and was wondering if I pull and pay for my scores now will the score reflect the 5 new inquiries. I would have to waste the money if the score isn't reflecting yet. Thank you in advance

[pizzadude]

Most of the time inquiries will be reflected immediately on your CR , and also your score. In rare cases they may not post immediately, but this is very uncommon.

[TilltedBrim]

Thank you Pizza Dude...

[llecs]

Ditto. Immediately for non-auto and non-mortgage inquiries.

[boomhower]

The inquiries will be reflected but the new accounts won't, the true change won't be known until the new accounts report.  The change in AAoA and utility will likely make a bigger change the just the inquiries.

[TilltedBrim]

Boomhower.... what is AAoA? Thank you in advance.

[Anonymous]

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@TilltedBrim wrote:
Boomhower.... what is AAoA? Thank you in advance.

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Average Age of Accounts.

The higher your AAoA's, the better, every time you add a new TL (TradeLine) to your reports it will lower your AAoA's.

[MarineVietVet]

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@TilltedBrim wrote:
Boomhower.... what is AAoA? Thank you in advance.

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Your AAoA is the sum of the ages of every account (except CA collections and public records) on your report, whether open or closed, calculated in months, divided by the number of accounts and then divided by 12. I use the division by 12 to make it easier to convert into years. This is measured from the time each account was opened until present.

You’ll need to figure the age of each account, open or closed, on each report. If all three reports are identical (very unlikely), you're in luck; otherwise, you'll need to run this for each report.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[TilltedBrim]

Thank you all for the wonderful information... I had no idea that AAoA has such a tremendous effect on your FICO score.  Now I'm starting to wonder what the averages are that lenders consider bad.  I'm going to work on figuring my AAoA's up as soon as time permits.  Thank you

[llecs]

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@TilltedBrim wrote:

Thank you all for the wonderful information... I had no idea that AAoA has such a tremendous effect on your FICO score.  Now I'm starting to wonder what the averages are that lenders consider bad.  I'm going to work on figuring my AAoA's up as soon as time permits.  Thank you

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If you already pulled your FICO report, you can often find it on the 2nd or 3rd page in the pos/neg items that help or hurt your score. It's not always there, but worth a look. FICO measures AAoA as a whole number, rounded down...4 yrs, 6 yrs, 1 yr, etc.