https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3291646#M191921 <P>Something else changed honestly. &nbsp;Inquiries are not positive, and SW only tracks overt changes (adds, or changes, not removals seemingly) on one's credit report, and as I've found such things get rolled up into a balance update or new account or inquiry being added.</P><P>&nbsp;</P><P>Least with my most recent experience:</P><P>&nbsp;</P><P>FICO '04: 0 -&gt; 1 inquiry, no penalty</P><P>FICO 8: 1 -&gt; 2 inquiries, loss of 6 points (thanks Verizon =/).</P><P>&nbsp;</P><P>YMMV depending how many inquiries you had listed at the time as to what penalty (which may have been zero) was assessed.</P> Tue, 29 Jul 2014 02:36:32 GMT Revelate 2014-07-29T02:36:32Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3290982#M191914 <P>Last friday I applied for an auto loan through DCU... So I'm sitting at work today and get the notification from MyFico letting me know my score had changed. I had been expecting this, but what I wasn't expecting was what happened next. So I open the app to check my new score and lo-and-behold my score went... Wait for it... UP! It went from 713 to 720 because I applied for a line of credit. Isn't it supposed to work the other way around. Does this happen often? It was Equifax btw. I'm not complaining, in any way, shape or form.&nbsp;</P> Mon, 28 Jul 2014 22:59:21 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3290982#M191914 Anonymous 2014-07-28T22:59:21Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3291260#M191915 <P>Congrats! Thanks for sharing.</P><P>&nbsp;</P><P>&nbsp;</P> Tue, 29 Jul 2014 00:26:30 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3291260#M191915 coldnmn 2014-07-29T00:26:30Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3291646#M191921 <P>Something else changed honestly. &nbsp;Inquiries are not positive, and SW only tracks overt changes (adds, or changes, not removals seemingly) on one's credit report, and as I've found such things get rolled up into a balance update or new account or inquiry being added.</P><P>&nbsp;</P><P>Least with my most recent experience:</P><P>&nbsp;</P><P>FICO '04: 0 -&gt; 1 inquiry, no penalty</P><P>FICO 8: 1 -&gt; 2 inquiries, loss of 6 points (thanks Verizon =/).</P><P>&nbsp;</P><P>YMMV depending how many inquiries you had listed at the time as to what penalty (which may have been zero) was assessed.</P> Tue, 29 Jul 2014 02:36:32 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-inquiries/m-p/3291646#M191921 Revelate 2014-07-29T02:36:32Z