Equifax FICO just went up 7 points for an inquiry that outdated! yipee
wish I had known earlier about how many points you lose from your Fico for a simple inquiry .. we were thinking of refinancing last year..the realtor shopped us to 4 different places that pulled all 3 credit reports..and we didn't end up going with it anyway..!!
The good news is that for mortgages (and for auto loans), all the inqs will display, buy FICO clumps them into one for scoring purposes, if they were within a certain time frame. This is called de-duplicating.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007