I just did some math, and I'm wondering if I have any kind of case here.
My FICO score as of 6-15-07 was 668.
On 6-21, my score dropped 13 points down to 665, due to a hard pull inquiry - I applied for a Best Buy store card.
On 6-27, my score dropped 33 points down to 622, due to the fact that my Target card account reported a history of past dues/late pays, a collection account reposted to the account, and a paid in full installment account changed some basic information (this last thing is a positive item and actually didn't alter my score).
On 6-29, my score dropped 37 points down to 585, due to two hard pull inquiries for the COAF and RoadLoans auto loans that I applied for on 6-16.
On 7-3, my score went up 10 points to 595, because a new positive account reported to my file.
On 7-6, my score went up 6 points to 601, because a couple of information changes and a positive account was added, but the inquiries from 6-21 and 6-29 were deleted from my account (believe it or not, CSC just deleted them - AND the rest of my inquiry history - while they were investigating some other inquiries which were outdated). So, at this point I have NO hard inquiries at all on my EQ report!
Now, here's my question - and it has to do with reverse engineering of scores. If they eliminated the inquiries and other negative aspects of my file that dropped my score 50 points (13 on 6-21 plus 37 on 6-29), why wouldn't my score be UP 50 points at the present time?
What I mean is, if those inquiries had never dropped my score, but the Target and collection account still posted as they did on 6-27, then shouldn't the following be the way it should look?
6-15: 668
6-21: 668 (No Best Buy inquiry - therefore, no 13 pt. drop)
6-27: 635 (33 pt. drop - Target and collection account)
6-29: 635 (No car loan inquiries - therefore, no 37 pt. drop)
7-3: 645 (10 pt. increase)
7-6: 651 (6 pt. increase)
Is this logical?
Anyone?