Starting Score: EQ FICO 777
I sort of forget about those because Ex has 4 from last year but 2 of them hit 1 year in July. Even though they're not factored in, I wonder if any change will happen next week when 1 of the 2 on TU fall off.
To OP, something good should happen when they fall off. Those new accounts will hit 1 year simultaneously so it might not be possible to really know how the inquiries aging to a year affected your score. Please let us know, though. It will be interesting!
Starting Score: 675
llecs wrote:OP, were there any new accounts tied in with any of those inquiries? If so, both the inquiries would age at one year and the TL would turn one-year at the same time. You could be seeing a bump off of that.
+1
Not sure how to thought experiment it: maybe someone (or me in a year or two) can do a spree of CLI applications on cards known to HP (Chase / BOFA / et al) when the tradelines are more than a year old to try to seperate out the almost certain tradeline seasoning boundary from the actual inquiry falling off. It'd probably be ideal if all those tradelines were 3+ years old to really lock it down as there is probably a second boundary around the 2-3 year marks as far as tradeline quality goes.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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Probably the best way to see is to compare TU and EQ when the inq is only on one of the two. Botrh will show the TL hitting 1 year, but only one will have an inq to fall off. The difference between the two is from the inq. The same person would need to see the process in reverse the following year with the alternate CRA. Still, other factors and different formulas would make this not such an exact experiment.
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