topic Re: Inquiries in General Credit Topics

Inquiries

Anonymous — Tue, 05 Jun 2007 18:03:49 GMT

On May 23rd, I signed up for cingular wireless. During that time, my credit score was 679, however after the inquiry, my score dropped to 667. But then, I accpeted a sales position with sprint pcs last week. So I decided to switch from Cingular to Sprint PCS so I could get the employee plan. But now my score has dropped from 667 to 642. Is there anyway I can remove the inquiry and have my score jump back up?

Re: Inquiries

Tuscani — Tue, 05 Jun 2007 18:06:50 GMT

Nope... sounds like they Inq had PP. However, I find it hard to believe that two Inqs would cost you 37 pts. Did anything else on yoru reports change?

Re: Inquiries

Anonymous — Tue, 05 Jun 2007 18:15:42 GMT

Nothing. Just those 2 inquries from June 23 until today dropped me from 679 to 642. I'm quite mad and I'm not even trying to seek more credit. All I wanted to do is switch over my cingular plan to Sprint.

Re: Inquiries

fused — Tue, 05 Jun 2007 20:28:36 GMT

Chopbrocoli wrote:
Nothing. Just those 2 inquries from June 23 until today dropped me from 679 to 642. I'm quite mad and I'm not even trying to seek more credit. All I wanted to do is switch over my cingular plan to Sprint.

Did both companies inform you they would pull your credit? Did you agree to this?

Re: Inquiries

Tuscani — Tue, 05 Jun 2007 21:58:45 GMT

Are you 100% sure nothing else changed?????

Re: Inquiries

Anonymous — Tue, 05 Jun 2007 23:11:52 GMT

I'm very sure. I pulled my Experian report and shows no inquiries...my score for that one is 713. However the equifax score on myfico shows 646...There is no records of any rececent activity of opened accounts or etc.... except for those 2 inquiries. You think there is a problem wioth that image??

Re: Inquiries

Tuscani — Wed, 06 Jun 2007 10:52:48 GMT

Chopbrocoli wrote:
I'm very sure. I pulled my Experian report and shows no inquiries...my score for that one is 713. However the equifax score on myfico shows 646...There is no records of any rececent activity of opened accounts or etc.... except for those 2 inquiries. You think there is a problem wioth that image??

It just doesn't seem right that two Inqs costed you this many pts.

Re: Inquiries

Anonymous — Tue, 14 Aug 2007 13:12:52 GMT

Tuscani wrote:

Chopbrocoli wrote:
I'm very sure. I pulled my Experian report and shows no inquiries...my score for that one is 713. However the equifax score on myfico shows 646...There is no records of any rececent activity of opened accounts or etc.... except for those 2 inquiries. You think there is a problem wioth that image??

It just doesn't seem right that two Inqs costed you this many pts.

Did you make sure a credit card isn't reporting a higher balance than before? Or perhaps you have very few TL's - in which case an inquiry might hurt you more than it otherwise would.