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Not all inquiries produce a score change. It depends on how many you have, how old your accounts are probably other factors that are all part of FICO's secret sauce. An alert happens becuase of specific events like balance changes, inquiries, or new accounts. FICO changes themselves do not generate alerts and some things that generate alerts may not change your FICO score.
Yup! An additional inquiry while always a negative can be zero damage to your score.
@Anonymous wrote:
Awesome!!!!! Weird cause ck deducted points for it.
Nah, CK != FICO. AFAIK VantageScore also scores on a step function just a different one, nobody has really done much granular testing on Vantage to date that I'm aware of.
@Anonymous wrote:
Thank you, one more question. When these accounts get added to my report, will I see a score increase or decrease? New cards equal 9,200.
I don't know your file well enough to predict that with any degree of accuracy .
In general new accounts are a negative, if they reduce your AAOA you'll take a ding, or if you don't have other new accounts on there already you may take a ding.
On the flipside if it materially changes your revolving utilization calculation in aggregate, or maybe a smaller one on number of tradelines with balances, then you can get a bump.
Mix of credit is probably a wash since I assume you have credit cards (revolving tradelines) already on your file.