Frequent Contributor
Posts: 263
Registered: ‎08-14-2011
Re: What did I do?

my-own-fico wrote:

It was hauling, a noted Moderator Emerita, Community Leader and Epic Contributor, who once wrote that "in my experience, the first inq on EQ is "free", meaning no score drop. The second costs 3-5 points. Then the third one is free, and the fourth costs a few more points."

OP, I'm not sure what you mean by "only the INQ which stands at 3", but if your number of inquiries from within the last year is 1 or 3, then that first or that third inquiry may not decrease your score, in which case of course your drop is a mystery.

I don't know, my second inq hit last month and my score didn't change from 806.

bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.