https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146225#M59274 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />So while I'm waiting on chase to get back with me on my sapphire preferred app, I went ahead and joined penfed last night and was approved for their platinum visa card. Tonight I got a message from score watch about the inquiry so I checked my score and it went up 3 pts. No clue how that happened, but I'll take it. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Anyone else have a similar experience?<HR /></BLOCKQUOTE><P><BR />Bump must be due to other things i.e history, reduced util, old inq not factoring etc.</P> Fri, 06 Jan 2012 03:13:53 GMT CS800 2012-01-06T03:13:53Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146221#M59273 So while I'm waiting on chase to get back with me on my sapphire preferred app, I went ahead and joined penfed last night and was approved for their platinum visa card. Tonight I got a message from score watch about the inquiry so I checked my score and it went up 3 pts. No clue how that happened, but I'll take it. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Anyone else have a similar experience? Fri, 06 Jan 2012 03:12:08 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146221#M59273 Anonymous 2012-01-06T03:12:08Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146225#M59274 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />So while I'm waiting on chase to get back with me on my sapphire preferred app, I went ahead and joined penfed last night and was approved for their platinum visa card. Tonight I got a message from score watch about the inquiry so I checked my score and it went up 3 pts. No clue how that happened, but I'll take it. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Anyone else have a similar experience?<HR /></BLOCKQUOTE><P><BR />Bump must be due to other things i.e history, reduced util, old inq not factoring etc.</P> Fri, 06 Jan 2012 03:13:53 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146225#M59274 CS800 2012-01-06T03:13:53Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146235#M59275 <P>Ditto...I once got a SW alert for +20 due to adding an inquiry. The inquiry didn't give me 20, but a baddie fell off that resulted in a net gain of 20. SW won't alert you to dropped balances, dropped baddies, etc. (only increases), so it could have been due to what CS800 mentioned above.</P> Fri, 06 Jan 2012 03:16:43 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146235#M59275 llecs 2012-01-06T03:16:43Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146255#M59276 Good points. I just reviewed my report on usaa, I completely forgot my utilization went from 88% to 94% available. Should have realized that. Well at least that absorbed the negative from the inquiry. Fri, 06 Jan 2012 03:25:14 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1146255#M59276 Anonymous 2012-01-06T03:25:14Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1148555#M59332 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />So while I'm waiting on chase to get back with me on my sapphire preferred app, I went ahead and joined penfed last night and was approved for their platinum visa card. Tonight I got a message from score watch about the inquiry so I checked my score and it went up 3 pts. No clue how that happened, but I'll take it. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Anyone else have a similar experience?<HR /></BLOCKQUOTE><P>I can assure you the INQ did not net a increase, but something else on your report did (ie: history of accounts)</P> Sat, 07 Jan 2012 17:28:06 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-bump-for-an-inquiry/m-p/1148555#M59332 LS2982 2012-01-07T17:28:06Z