interesting TU report...

[crunching_numbers]

When I had 0 inq in the last year, my score report was listed as "amount of new credit"  = very good

I apped for DM and the inq hit but the account did not yet, , so inq=1, "amount of new credit" = great

apparently NOT trying for new credit in a long time is might be a bad thing in certain buckets of TU98.

[llecs]

Inquiries aren't the only factor, though. It factors in the age of your newest accounts. If you had no inquiries last year, FICO was weighing the age of your newest accounts more heavily than they are now.

[crunching_numbers]

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@llecs wrote:

Inquiries aren't the only factor, though. It factors in the age of your newest accounts. If you had no inquiries last year, FICO was weighing the age of your newest accounts more heavily than they are now.

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BEFORE: AAoA = 8 yrs, length of credit history=26 years
AFTER: AAoA= 8 yrs, length of credit history=26 yrs, 1 mo.

Newest acct CC, 9/2009; mortgage refi 8/2010

How does it weigh the newest account differently? The inq hit but the new TL is not there yet. Not sure I am following you, but want to get what you are saying. 

[llecs]

Last year, your refi was only a year old (or less if you pulled TU FICO prior to 8/2011). Now, it's 18 months old. It aged and the impact to the New Credit portion of your FICO score is diminished.

[crunching_numbers]

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@llecs wrote:

Last year, your refi was only a year old (or less if you pulled TU FICO prior to 8/2011). Now, it's 18 months old. It aged and the impact to the New Credit portion of your FICO score is diminished.

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I pulled TU FICO on 2/7/12, and now again on 3/16/12. Time difference was a little over a month. I haven't been watching my credit at all until I started aggressively paying down my debt in January. I have NO idea what my FICO was like a year ago. When we Refi'd my FICO was about 700. Not much change, but lots of debt. Bottom line is when I get the debt gone, everything else will fall into place numerically.

[llecs]

Ah....I had it in my head you pulled a year ago.

Maybe the threshold is 18 months for your scoring bucket when it turned 18 months on 3/1. I used to pull on the last day of the month and again on the first day and noticed most of my changes occurred on the 1st as everything aged a month older. There's at least one time I noted a major score change (including the FICO reasons listed on pages 2 & 3) when an account hit a 6th-month mark. It's not always about the whole numbers.