Totally lost

[Revelate]

---

@Anonymous wrote:
I have balences on all my cards some are small like 35 dollars some are 300. My util now is 9% aaoa 3 years

---

Likely a negative in that case; fix your balances beforehand next time you apply though .

[Anonymous]

Damn it. Lol

[Anonymous]

Just a thought, but you could have actually lost some points for the inquiry, but right around the same time, gained the same amount due to other factors netting zero change overall. Myfico doesnt alert every time your score moves. I have seen score increases from "new address alerts" lol

[Anonymous]

I did have a cli from discover. Hmm

[Revelate]

---

@Anonymous wrote:
Just a thought, but you could have actually lost some points for the inquiry, but right around the same time, gained the same amount due to other factors netting zero change overall. Myfico doesnt alert every time your score moves. I have seen score increases from "new address alerts" lol

---

Possible but not every inquiry counts against you linearly, it was a step function in FICO 04 from all anecdotal data, don't think that changed based on some limited testing under FICO 8.

[taxi818]

---

@Anonymous wrote:
So in other words, I didn't take a bit for the inquiry? Lol

---

Something nothing at all. Sometimes big. more factors involved than just the inquiry. So say you did not take a hit for the inquiry. you might take a hit once the new account is added. its always 2 fold.